The typical owner-occupied home in Ford Cliff is worth about $107,300, 58% below the Pennsylvania median of $254,500 and 68% below the national median of $332,700. Owners pay a median $1,802 a year in property taxes, about 1.68% of their home's value, higher than the Pennsylvania rate of 1.30%. The median household earns $70,833 a year, so the median home costs 1.5 times the median income (3.3 times for Pennsylvania). 92% of occupied homes here are lived in by their owners, and 47% of those owners still have a mortgage.
Ford Cliff at a glance
| Ford Cliff | Pennsylvania | U.S. | |
|---|---|---|---|
| Median home value | $107,300 | $254,500 | $332,700 |
| Median property tax paid per year | $1,802 | $3,311 | $3,119 |
| Property tax as a share of value | 1.68% | 1.30% | 0.94% |
| Median household income | $70,833 | $77,971 | $80,734 |
| Homes lived in by their owners | 92% | 69% | 65% |
| Owner homes with a mortgage | 47% | 58% | 61% |
| Median monthly costs, owners with a mortgage | $1,008 | $1,762 | $1,963 |
| Those costs as a share of the owners' income | 14.4% | 19.4% | 21.0% |
| Median rent | $1,250 | $1,209 | $1,413 |
| Rent as a share of renters' income | 23.3% | 29.2% | 30.6% |
| Median year homes were built | 1950 | 1965 | 1980 |
| Vacant homes | 6.7% | 9.2% | 10.1% |
| Population | 409 | 13,018,639 | 334,922,499 |
What a typical home costs per month in Ford Cliff
At this week's average 30-year rate of 7.11%, buying the median Ford Cliff home of $107,300 with 20% down costs about $772 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $951, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $33,102 for the 20%-down payment. That payment is 13% of the median Ford Cliff household income of $70,833; at that income and 20% down, the 28% guideline points to a home of about $230,000.
The median rent here is $1,250 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $21,460 |
|---|---|
| Loan amount | $85,840 |
| Principal and interest | $577 |
| Property taxes (1.68% a year) | $150 |
| Homeowners insurance (our estimate, 0.5% a year) | $45 |
| PMI | $0 |
| Total per month | $772 |
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| Down payment | $3,756 |
|---|---|
| Loan amount | $105,357 |
| Principal and interest | $709 |
| Property taxes (1.68% a year) | $150 |
| Homeowners insurance (our estimate, 0.5% a year) | $45 |
| FHA mortgage insurance | $47 |
| Total per month | $951 |
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Questions about home buying in Ford Cliff
What is the median home value in Ford Cliff?
About $107,300 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Ford Cliff?
Homeowners pay a median $1,802 a year, which is about 1.68% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Ford Cliff?
For the median home with 20% down at 7.11%, the payment is about $772 a month. Keeping that under 28% of gross income takes about $33,102 a year.
More about Ford Cliff
- Mortgage Refinance in Ford Cliff
- Debt Relief in Ford Cliff
- Home Equity Loans in Ford Cliff
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data