The typical owner-occupied home in Houtzdale is worth about $110,700, 57% below the Pennsylvania median of $254,500 and 67% below the national median of $332,700. Owners pay a median $1,024 a year in property taxes, about 0.93% of their home's value, lower than the Pennsylvania rate of 1.30%. The median household earns $64,868 a year, so the median home costs 1.7 times the median income (3.3 times for Pennsylvania). 80% of occupied homes here are lived in by their owners, and 45% of those owners still have a mortgage.
Houtzdale at a glance
| Houtzdale | Pennsylvania | U.S. | |
|---|---|---|---|
| Median home value | $110,700 | $254,500 | $332,700 |
| Median property tax paid per year | $1,024 | $3,311 | $3,119 |
| Property tax as a share of value | 0.93% | 1.30% | 0.94% |
| Median household income | $64,868 | $77,971 | $80,734 |
| Homes lived in by their owners | 80% | 69% | 65% |
| Owner homes with a mortgage | 45% | 58% | 61% |
| Median monthly costs, owners with a mortgage | $1,109 | $1,762 | $1,963 |
| Those costs as a share of the owners' income | 16.2% | 19.4% | 21.0% |
| Median rent | $689 | $1,209 | $1,413 |
| Rent as a share of renters' income | 21.7% | 29.2% | 30.6% |
| Median year homes were built | 1946 | 1965 | 1980 |
| Vacant homes | 10.9% | 9.2% | 10.1% |
| Population | 857 | 13,018,639 | 334,922,499 |
What a typical home costs per month in Houtzdale
At this week's average 30-year rate of 7.11%, buying the median Houtzdale home of $110,700 with 20% down costs about $728 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $912, 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 $31,186 for the 20%-down payment. That payment is 13% of the median Houtzdale household income of $64,868; at that income and 20% down, the 28% guideline points to a home of about $230,000.
The median rent here is $689 a month, so owning the median home costs about $39 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $22,140 |
|---|---|
| Loan amount | $88,560 |
| Principal and interest | $596 |
| Property taxes (0.93% a year) | $86 |
| Homeowners insurance (our estimate, 0.5% a year) | $46 |
| PMI | $0 |
| Total per month | $728 |
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| Down payment | $3,874 |
|---|---|
| Loan amount | $108,695 |
| Principal and interest | $731 |
| Property taxes (0.93% a year) | $86 |
| Homeowners insurance (our estimate, 0.5% a year) | $46 |
| FHA mortgage insurance | $49 |
| Total per month | $912 |
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Questions about home buying in Houtzdale
What is the median home value in Houtzdale?
About $110,700 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Houtzdale?
Homeowners pay a median $1,024 a year, which is about 0.93% 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 Houtzdale?
For the median home with 20% down at 7.11%, the payment is about $728 a month. Keeping that under 28% of gross income takes about $31,186 a year.
More about Houtzdale
- Mortgage Refinance in Houtzdale
- Debt Relief in Houtzdale
- Home Equity Loans in Houtzdale
- 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