The typical owner-occupied home in Spring Church is worth about $232,800, 9% below the Pennsylvania median of $254,500 and 30% below the national median of $332,700. Owners pay a median $3,513 a year in property taxes, about 1.51% of their home's value, higher than the Pennsylvania rate of 1.30%. The median household earns $80,227 a year, so the median home costs 2.9 times the median income (3.3 times for Pennsylvania). 70% of occupied homes here are lived in by their owners, and 71% of those owners still have a mortgage.
Spring Church at a glance
| Spring Church | Pennsylvania | U.S. | |
|---|---|---|---|
| Median home value | $232,800 | $254,500 | $332,700 |
| Median property tax paid per year | $3,513 | $3,311 | $3,119 |
| Property tax as a share of value | 1.51% | 1.30% | 0.94% |
| Median household income | $80,227 | $77,971 | $80,734 |
| Homes lived in by their owners | 70% | 69% | 65% |
| Owner homes with a mortgage | 71% | 58% | 61% |
| Median monthly costs, owners with a mortgage | $1,492 | $1,762 | $1,963 |
| Those costs as a share of the owners' income | 13.7% | 19.4% | 21.0% |
| Median rent | $747 | $1,209 | $1,413 |
| Rent as a share of renters' income | 51.0% | 29.2% | 30.6% |
| Median year homes were built | 1970 | 1965 | 1980 |
| Vacant homes | 9.0% | 9.2% | 10.1% |
| Population | 598 | 13,018,639 | 334,922,499 |
What a typical home costs per month in Spring Church
At this week's average 30-year rate of 7.11%, buying the median Spring Church home of $232,800 with 20% down costs about $1,643 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,031, 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 $70,405 for the 20%-down payment. That payment is 25% of the median Spring Church household income of $80,227; at that income and 20% down, the 28% guideline points to a home of about $265,000.
The median rent here is $747 a month, so owning the median home costs about $896 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $46,560 |
|---|---|
| Loan amount | $186,240 |
| Principal and interest | $1,253 |
| Property taxes (1.51% a year) | $293 |
| Homeowners insurance (our estimate, 0.5% a year) | $97 |
| PMI | $0 |
| Total per month | $1,643 |
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| Down payment | $8,148 |
|---|---|
| Loan amount | $228,583 |
| Principal and interest | $1,538 |
| Property taxes (1.51% a year) | $293 |
| Homeowners insurance (our estimate, 0.5% a year) | $97 |
| FHA mortgage insurance | $103 |
| Total per month | $2,031 |
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Questions about home buying in Spring Church
What is the median home value in Spring Church?
About $232,800 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Spring Church?
Homeowners pay a median $3,513 a year, which is about 1.51% 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 Spring Church?
For the median home with 20% down at 7.11%, the payment is about $1,643 a month. Keeping that under 28% of gross income takes about $70,405 a year.
More about Spring Church
- Mortgage Refinance in Spring Church
- Debt Relief in Spring Church
- Home Equity Loans in Spring Church
- 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