The typical owner-occupied home in Bradford County is worth about $187,500, 26% below the Pennsylvania median of $254,500 and 44% below the national median of $332,700. Owners pay a median $2,044 a year in property taxes, about 1.09% of their home's value, lower than the Pennsylvania rate of 1.30%. The median household earns $63,675 a year, so the median home costs 2.9 times the median income (3.3 times for Pennsylvania). 72% of occupied homes here are lived in by their owners, and 46% of those owners still have a mortgage.
Bradford County at a glance
| Bradford County | Pennsylvania | U.S. | |
|---|---|---|---|
| Median home value | $187,500 | $254,500 | $332,700 |
| Median property tax paid per year | $2,044 | $3,311 | $3,119 |
| Property tax as a share of value | 1.09% | 1.30% | 0.94% |
| Median household income | $63,675 | $77,971 | $80,734 |
| Homes lived in by their owners | 72% | 69% | 65% |
| Owner homes with a mortgage | 46% | 58% | 61% |
| Median monthly costs, owners with a mortgage | $1,375 | $1,762 | $1,963 |
| Those costs as a share of the owners' income | 18.9% | 19.4% | 21.0% |
| Median rent | $901 | $1,209 | $1,413 |
| Rent as a share of renters' income | 24.4% | 29.2% | 30.6% |
| Median year homes were built | 1969 | 1965 | 1980 |
| Vacant homes | 16.5% | 9.2% | 10.1% |
| Population | 59,858 | 13,018,639 | 334,922,499 |
What a typical home costs per month in Bradford County
At this week's average 30-year rate of 7.11%, buying the median Bradford County home of $187,500 with 20% down costs about $1,258 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,570, 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 $53,893 for the 20%-down payment. That payment is 24% of the median Bradford County household income of $63,675; at that income and 20% down, the 28% guideline points to a home of about $222,000.
The median rent here is $901 a month, so owning the median home costs about $356 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $37,500 |
|---|---|
| Loan amount | $150,000 |
| Principal and interest | $1,009 |
| Property taxes (1.09% a year) | $170 |
| Homeowners insurance (our estimate, 0.5% a year) | $78 |
| PMI | $0 |
| Total per month | $1,258 |
Change the numbers in the calculator
| Down payment | $6,562 |
|---|---|
| Loan amount | $184,104 |
| Principal and interest | $1,238 |
| Property taxes (1.09% a year) | $170 |
| Homeowners insurance (our estimate, 0.5% a year) | $78 |
| FHA mortgage insurance | $83 |
| Total per month | $1,570 |
Change the numbers in the calculator
Questions about home buying in Bradford County
What is the median home value in Bradford County?
About $187,500 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Bradford County?
Homeowners pay a median $2,044 a year, which is about 1.09% 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 Bradford County?
For the median home with 20% down at 7.11%, the payment is about $1,258 a month. Keeping that under 28% of gross income takes about $53,893 a year.
More about Bradford County
- Mortgage Refinance in Bradford County
- Debt Relief in Bradford County
- Home Equity Loans in Bradford County
- 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