The typical owner-occupied home in Kempton is worth about $216,700, 15% below the Pennsylvania median of $254,500 and 35% below the national median of $332,700. Owners pay a median $3,455 a year in property taxes, about 1.59% of their home's value, higher than the Pennsylvania rate of 1.30%. 77% of occupied homes here are lived in by their owners, and 22% of those owners still have a mortgage.
Kempton at a glance
| Kempton | Pennsylvania | U.S. | |
|---|---|---|---|
| Median home value | $216,700 | $254,500 | $332,700 |
| Median property tax paid per year | $3,455 | $3,311 | $3,119 |
| Property tax as a share of value | 1.59% | 1.30% | 0.94% |
| Median household income | – | $77,971 | $80,734 |
| Homes lived in by their owners | 77% | 69% | 65% |
| Owner homes with a mortgage | 22% | 58% | 61% |
| Median monthly costs, owners with a mortgage | $1,625 | $1,762 | $1,963 |
| Those costs as a share of the owners' income | 32.5% | 19.4% | 21.0% |
| Median rent | $2,000 | $1,209 | $1,413 |
| Rent as a share of renters' income | 25.0% | 29.2% | 30.6% |
| Median year homes were built | 1938 | 1965 | 1980 |
| Vacant homes | 0.0% | 9.2% | 10.1% |
| Population | 148 | 13,018,639 | 334,922,499 |
What a typical home costs per month in Kempton
At this week's average 30-year rate of 7.11%, buying the median Kempton home of $216,700 with 20% down costs about $1,544 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,905, 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 $66,155 for the 20%-down payment.
The median rent here is $2,000 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $43,340 |
|---|---|
| Loan amount | $173,360 |
| Principal and interest | $1,166 |
| Property taxes (1.59% a year) | $287 |
| Homeowners insurance (our estimate, 0.5% a year) | $90 |
| PMI | $0 |
| Total per month | $1,544 |
Change the numbers in the calculator
| Down payment | $7,584 |
|---|---|
| Loan amount | $212,775 |
| Principal and interest | $1,431 |
| Property taxes (1.59% a year) | $287 |
| Homeowners insurance (our estimate, 0.5% a year) | $90 |
| FHA mortgage insurance | $96 |
| Total per month | $1,905 |
Change the numbers in the calculator
Questions about home buying in Kempton
What is the median home value in Kempton?
About $216,700 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Kempton?
Homeowners pay a median $3,455 a year, which is about 1.59% 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 Kempton?
For the median home with 20% down at 7.11%, the payment is about $1,544 a month. Keeping that under 28% of gross income takes about $66,155 a year.
More about Kempton
- Mortgage Refinance in Kempton
- Debt Relief in Kempton
- Home Equity Loans in Kempton
- 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