The typical owner-occupied home in Silverdale is worth about $360,300, 42% above the Pennsylvania median of $254,500 and 8% above the national median of $332,700. Owners pay a median $4,884 a year in property taxes, about 1.36% of their home's value, close to the Pennsylvania rate of 1.30%. The median household earns $107,321 a year, so the median home costs 3.4 times the median income (3.3 times for Pennsylvania). 88% of occupied homes here are lived in by their owners, and 72% of those owners still have a mortgage.
Silverdale at a glance
| Silverdale | Pennsylvania | U.S. | |
|---|---|---|---|
| Median home value | $360,300 | $254,500 | $332,700 |
| Median property tax paid per year | $4,884 | $3,311 | $3,119 |
| Property tax as a share of value | 1.36% | 1.30% | 0.94% |
| Median household income | $107,321 | $77,971 | $80,734 |
| Homes lived in by their owners | 88% | 69% | 65% |
| Owner homes with a mortgage | 72% | 58% | 61% |
| Median monthly costs, owners with a mortgage | $2,217 | $1,762 | $1,963 |
| Those costs as a share of the owners' income | 20.8% | 19.4% | 21.0% |
| Median rent | $1,566 | $1,209 | $1,413 |
| Rent as a share of renters' income | 35.7% | 29.2% | 30.6% |
| Median year homes were built | 1982 | 1965 | 1980 |
| Vacant homes | 0.0% | 9.2% | 10.1% |
| Population | 1,288 | 13,018,639 | 334,922,499 |
What a typical home costs per month in Silverdale
At this week's average 30-year rate of 7.11%, buying the median Silverdale home of $360,300 with 20% down costs about $2,497 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $3,098, 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 $107,035 for the 20%-down payment. That payment is 28% of the median Silverdale household income of $107,321; at that income and 20% down, the 28% guideline points to a home of about $361,000.
The median rent here is $1,566 a month, so owning the median home costs about $931 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $72,060 |
|---|---|
| Loan amount | $288,240 |
| Principal and interest | $1,939 |
| Property taxes (1.36% a year) | $408 |
| Homeowners insurance (our estimate, 0.5% a year) | $150 |
| PMI | $0 |
| Total per month | $2,497 |
Change the numbers in the calculator
| Down payment | $12,610 |
|---|---|
| Loan amount | $353,774 |
| Principal and interest | $2,380 |
| Property taxes (1.36% a year) | $408 |
| Homeowners insurance (our estimate, 0.5% a year) | $150 |
| FHA mortgage insurance | $159 |
| Total per month | $3,098 |
Change the numbers in the calculator
Questions about home buying in Silverdale
What is the median home value in Silverdale?
About $360,300 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Silverdale?
Homeowners pay a median $4,884 a year, which is about 1.36% 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 Silverdale?
For the median home with 20% down at 7.11%, the payment is about $2,497 a month. Keeping that under 28% of gross income takes about $107,035 a year.
More about Silverdale
- Mortgage Refinance in Silverdale
- Debt Relief in Silverdale
- Home Equity Loans in Silverdale
- 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