The typical owner-occupied home in Mill Hall is worth about $151,700, 40% below the Pennsylvania median of $254,500 and 54% below the national median of $332,700. Owners pay a median $1,625 a year in property taxes, about 1.07% of their home's value, lower than the Pennsylvania rate of 1.30%. The median household earns $54,333 a year, so the median home costs 2.8 times the median income (3.3 times for Pennsylvania). 68% of occupied homes here are lived in by their owners, and 46% of those owners still have a mortgage.
Mill Hall at a glance
| Mill Hall | Pennsylvania | U.S. | |
|---|---|---|---|
| Median home value | $151,700 | $254,500 | $332,700 |
| Median property tax paid per year | $1,625 | $3,311 | $3,119 |
| Property tax as a share of value | 1.07% | 1.30% | 0.94% |
| Median household income | $54,333 | $77,971 | $80,734 |
| Homes lived in by their owners | 68% | 69% | 65% |
| Owner homes with a mortgage | 46% | 58% | 61% |
| Median monthly costs, owners with a mortgage | $1,231 | $1,762 | $1,963 |
| Those costs as a share of the owners' income | 20.6% | 19.4% | 21.0% |
| Median rent | $947 | $1,209 | $1,413 |
| Rent as a share of renters' income | 31.8% | 29.2% | 30.6% |
| Median year homes were built | 1954 | 1965 | 1980 |
| Vacant homes | 9.9% | 9.2% | 10.1% |
| Population | 1,364 | 13,018,639 | 334,922,499 |
What a typical home costs per month in Mill Hall
At this week's average 30-year rate of 7.11%, buying the median Mill Hall home of $151,700 with 20% down costs about $1,015 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,268, 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 $43,494 for the 20%-down payment. That payment is 22% of the median Mill Hall household income of $54,333; at that income and 20% down, the 28% guideline points to a home of about $190,000.
The median rent here is $947 a month, so owning the median home costs about $68 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $30,340 |
|---|---|
| Loan amount | $121,360 |
| Principal and interest | $816 |
| Property taxes (1.07% a year) | $135 |
| Homeowners insurance (our estimate, 0.5% a year) | $63 |
| PMI | $0 |
| Total per month | $1,015 |
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| Down payment | $5,310 |
|---|---|
| Loan amount | $148,952 |
| Principal and interest | $1,002 |
| Property taxes (1.07% a year) | $135 |
| Homeowners insurance (our estimate, 0.5% a year) | $63 |
| FHA mortgage insurance | $67 |
| Total per month | $1,268 |
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Questions about home buying in Mill Hall
What is the median home value in Mill Hall?
About $151,700 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Mill Hall?
Homeowners pay a median $1,625 a year, which is about 1.07% 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 Mill Hall?
For the median home with 20% down at 7.11%, the payment is about $1,015 a month. Keeping that under 28% of gross income takes about $43,494 a year.
More about Mill Hall
- Mortgage Refinance in Mill Hall
- Debt Relief in Mill Hall
- Home Equity Loans in Mill Hall
- 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