Housing affordability index in Pennsylvania
Housing affordability index in Pennsylvania: puts one number on the housing question: 19.5% of the state's median household income goes to principal and interest on a median-priced home at today's rate.
30-year fixed rate used: 6.76% (observed 2026-09-10, FRED MORTGAGE30US).
Share of income
19.5%
principal + interest
Monthly payment
$1,228
on a $236,467 home
Median income
$75,594
households, ACS 5-year
| Rank | County | Share of income | Monthly P&I |
|---|---|---|---|
| 1 | Centre County | 25.8% | $1,505 |
| 2 | Philadelphia County | 23.3% | $1,119 |
| 3 | Bucks County | 22.9% | $2,056 |
| 4 | Chester County | 22.9% | $2,259 |
| 5 | Montgomery County | 22.2% | $1,986 |
| 6 | Wayne County | 22.2% | $1,096 |
| 7 | Lehigh County | 21.2% | $1,322 |
| 8 | Delaware County | 20.9% | $1,505 |
| 9 | Lancaster County | 20.2% | $1,369 |
| 10 | Union County | 20.2% | $1,092 |
| 11 | Northampton County | 20.1% | $1,380 |
| 12 | Montour County | 19.6% | $1,183 |
| 13 | Butler County | 19.4% | $1,343 |
| 14 | Susquehanna County | 19.4% | $1,034 |
| 15 | Franklin County | 19.3% | $1,153 |
| 16 | Adams County | 19.2% | $1,261 |
| 17 | Columbia County | 19.2% | $952 |
| 18 | Berks County | 18.9% | $1,172 |
| 19 | Juniata County | 18.7% | $966 |
| 20 | Snyder County | 18.7% | $1,025 |
| 21 | Fulton County | 18.6% | $976 |
| 22 | Cumberland County | 18.5% | $1,279 |
| 23 | Pike County | 18.4% | $1,169 |
| 24 | Dauphin County | 18.3% | $1,081 |
| 25 | Lebanon County | 18.2% | $1,098 |
| 26 | Lycoming County | 17.9% | $948 |
| 27 | Wyoming County | 17.9% | $1,011 |
| 28 | Bedford County | 17.7% | $858 |
| 29 | Sullivan County | 17.7% | $930 |
| 30 | Bradford County | 17.4% | $881 |
| 31 | Clinton County | 17.4% | $858 |
| 32 | York County | 17.4% | $1,146 |
| 33 | Carbon County | 17.3% | $933 |
| 34 | Allegheny County | 17.2% | $1,040 |
| 35 | Huntingdon County | 17.2% | $878 |
| 36 | Lackawanna County | 17.2% | $913 |
| 37 | Perry County | 17.2% | $1,094 |
| 38 | Tioga County | 17.2% | $857 |
| 39 | Washington County | 17.2% | $1,068 |
| 40 | Monroe County | 17.1% | $1,148 |
| 41 | Erie County | 16.8% | $832 |
| 42 | Westmoreland County | 16.3% | $943 |
| 43 | Beaver County | 15.9% | $888 |
| 44 | Mercer County | 15.9% | $759 |
| 45 | Blair County | 15.7% | $775 |
| 46 | Northumberland County | 15.7% | $734 |
| 47 | Luzerne County | 15.6% | $792 |
| 48 | Indiana County | 15.3% | $731 |
| 49 | Clarion County | 15.2% | $744 |
| 50 | Potter County | 14.9% | $702 |
| 51 | Crawford County | 14.4% | $706 |
| 52 | Lawrence County | 14.1% | $675 |
| 53 | Mifflin County | 14.1% | $682 |
| 54 | Armstrong County | 13.9% | $705 |
| 55 | Forest County | 13.8% | $531 |
| 56 | Fayette County | 13.7% | $633 |
| 57 | Somerset County | 13.5% | $647 |
| 58 | Jefferson County | 13.3% | $629 |
| 59 | Greene County | 13.2% | $732 |
| 60 | Clearfield County | 12.9% | $614 |
| 61 | Cambria County | 12.7% | $576 |
| 62 | Schuylkill County | 12.5% | $664 |
| 63 | Warren County | 12.5% | $604 |
| 64 | Elk County | 12.3% | $633 |
| 65 | Cameron County | 11.6% | $446 |
| 66 | Venango County | 11.4% | $564 |
| 67 | McKean County | 10.4% | $502 |
Methodology
Every county figure for Pennsylvania uses the county's own median home value and median household income from the Census American Community Survey 5-year estimates, a 20% deposit, and the current 30-year fixed rate from FRED (MORTGAGE30US) amortised over 30 years.
The share shown is annualised principal and interest divided by median household income. Property tax, insurance and HOA dues are excluded so the comparison between counties stays like-for-like.
Counties without both a published home value and a published income are left out entirely rather than filled with an estimate, so the table is shorter than the county list in some states.
Sources: FRED series MORTGAGE30US, Freddie Mac Primary Mortgage Market Survey; U.S. Census Bureau, American Community Survey 5-year estimates. American Community Survey 5-year estimates, 2022.