The typical owner-occupied home in Kutztown is worth about $263,100, 3% above the Pennsylvania median of $254,500 and 21% below the national median of $332,700. Owners pay a median $3,818 a year in property taxes, about 1.45% of their home's value, higher than the Pennsylvania rate of 1.30%. The median household earns $53,090 a year, so the median home costs 5.0 times the median income (3.3 times for Pennsylvania). 49% of occupied homes here are lived in by their owners, and 57% of those owners still have a mortgage.
Kutztown at a glance
| Kutztown | Pennsylvania | U.S. | |
|---|---|---|---|
| Median home value | $263,100 | $254,500 | $332,700 |
| Median property tax paid per year | $3,818 | $3,311 | $3,119 |
| Property tax as a share of value | 1.45% | 1.30% | 0.94% |
| Median household income | $53,090 | $77,971 | $80,734 |
| Homes lived in by their owners | 49% | 69% | 65% |
| Owner homes with a mortgage | 57% | 58% | 61% |
| Median monthly costs, owners with a mortgage | $1,716 | $1,762 | $1,963 |
| Those costs as a share of the owners' income | 22.2% | 19.4% | 21.0% |
| Median rent | $1,106 | $1,209 | $1,413 |
| Rent as a share of renters' income | 32.9% | 29.2% | 30.6% |
| Median year homes were built | 1962 | 1965 | 1980 |
| Vacant homes | 5.0% | 9.2% | 10.1% |
| Population | 4,180 | 13,018,639 | 334,922,499 |
What a typical home costs per month in Kutztown
At this week's average 30-year rate of 7.11%, buying the median Kutztown home of $263,100 with 20% down costs about $1,843 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,282, 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 $79,005 for the 20%-down payment. That payment is 42% of the median Kutztown household income of $53,090; at that income and 20% down, the 28% guideline points to a home of about $177,000.
The median rent here is $1,106 a month, so owning the median home costs about $737 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $52,620 |
|---|---|
| Loan amount | $210,480 |
| Principal and interest | $1,416 |
| Property taxes (1.45% a year) | $318 |
| Homeowners insurance (our estimate, 0.5% a year) | $110 |
| PMI | $0 |
| Total per month | $1,843 |
Change the numbers in the calculator
| Down payment | $9,208 |
|---|---|
| Loan amount | $258,335 |
| Principal and interest | $1,738 |
| Property taxes (1.45% a year) | $318 |
| Homeowners insurance (our estimate, 0.5% a year) | $110 |
| FHA mortgage insurance | $116 |
| Total per month | $2,282 |
Change the numbers in the calculator
Questions about home buying in Kutztown
What is the median home value in Kutztown?
About $263,100 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Kutztown?
Homeowners pay a median $3,818 a year, which is about 1.45% 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 Kutztown?
For the median home with 20% down at 7.11%, the payment is about $1,843 a month. Keeping that under 28% of gross income takes about $79,005 a year.
More about Kutztown
- Mortgage Refinance in Kutztown
- Debt Relief in Kutztown
- Home Equity Loans in Kutztown
- 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