The typical owner-occupied home in Harmonsburg is worth about $162,500, 36% below the Pennsylvania median of $254,500 and 51% below the national median of $332,700. Owners pay a median $2,174 a year in property taxes, about 1.34% of their home's value, close to the Pennsylvania rate of 1.30%. The median household earns $45,750 a year, so the median home costs 3.6 times the median income (3.3 times for Pennsylvania). 100% of occupied homes here are lived in by their owners, and 78% of those owners still have a mortgage.
Harmonsburg at a glance
| Harmonsburg | Pennsylvania | U.S. | |
|---|---|---|---|
| Median home value | $162,500 | $254,500 | $332,700 |
| Median property tax paid per year | $2,174 | $3,311 | $3,119 |
| Property tax as a share of value | 1.34% | 1.30% | 0.94% |
| Median household income | $45,750 | $77,971 | $80,734 |
| Homes lived in by their owners | 100% | 69% | 65% |
| Owner homes with a mortgage | 78% | 58% | 61% |
| Median monthly costs, owners with a mortgage | $700 | $1,762 | $1,963 |
| Those costs as a share of the owners' income | 14.1% | 19.4% | 21.0% |
| Median rent | – | $1,209 | $1,413 |
| Median year homes were built | 1964 | 1965 | 1980 |
| Vacant homes | 0.0% | 9.2% | 10.1% |
| Population | 95 | 13,018,639 | 334,922,499 |
What a typical home costs per month in Harmonsburg
At this week's average 30-year rate of 7.11%, buying the median Harmonsburg home of $162,500 with 20% down costs about $1,124 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,394, 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 $48,158 for the 20%-down payment. That payment is 29% of the median Harmonsburg household income of $45,750; at that income and 20% down, the 28% guideline points to a home of about $154,000.
| Down payment | $32,500 |
|---|---|
| Loan amount | $130,000 |
| Principal and interest | $875 |
| Property taxes (1.34% a year) | $181 |
| Homeowners insurance (our estimate, 0.5% a year) | $68 |
| PMI | $0 |
| Total per month | $1,124 |
Change the numbers in the calculator
| Down payment | $5,688 |
|---|---|
| Loan amount | $159,557 |
| Principal and interest | $1,073 |
| Property taxes (1.34% a year) | $181 |
| Homeowners insurance (our estimate, 0.5% a year) | $68 |
| FHA mortgage insurance | $72 |
| Total per month | $1,394 |
Change the numbers in the calculator
Questions about home buying in Harmonsburg
What is the median home value in Harmonsburg?
About $162,500 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Harmonsburg?
Homeowners pay a median $2,174 a year, which is about 1.34% 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 Harmonsburg?
For the median home with 20% down at 7.11%, the payment is about $1,124 a month. Keeping that under 28% of gross income takes about $48,158 a year.
More about Harmonsburg
- Mortgage Refinance in Harmonsburg
- Debt Relief in Harmonsburg
- Home Equity Loans in Harmonsburg
- 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