The typical owner-occupied home in Darby is worth about $117,900, 54% below the Pennsylvania median of $254,500 and 65% below the national median of $332,700. Owners pay a median $3,560 a year in property taxes, about 3.02% of their home's value, higher than the Pennsylvania rate of 1.30%. The median household earns $39,863 a year, so the median home costs 3.0 times the median income (3.3 times for Pennsylvania). 50% of occupied homes here are lived in by their owners, and 67% of those owners still have a mortgage.
Darby at a glance
| Darby | Pennsylvania | U.S. | |
|---|---|---|---|
| Median home value | $117,900 | $254,500 | $332,700 |
| Median property tax paid per year | $3,560 | $3,311 | $3,119 |
| Property tax as a share of value | 3.02% | 1.30% | 0.94% |
| Median household income | $39,863 | $77,971 | $80,734 |
| Homes lived in by their owners | 50% | 69% | 65% |
| Owner homes with a mortgage | 67% | 58% | 61% |
| Median monthly costs, owners with a mortgage | $1,482 | $1,762 | $1,963 |
| Those costs as a share of the owners' income | 30.1% | 19.4% | 21.0% |
| Median rent | $1,308 | $1,209 | $1,413 |
| Rent as a share of renters' income | 41.5% | 29.2% | 30.6% |
| Median year homes were built | 1949 | 1965 | 1980 |
| Vacant homes | 12.2% | 9.2% | 10.1% |
| Population | 10,687 | 13,018,639 | 334,922,499 |
What a typical home costs per month in Darby
At this week's average 30-year rate of 7.11%, buying the median Darby home of $117,900 with 20% down costs about $980 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,177, 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 $42,015 for the 20%-down payment. That payment is 30% of the median Darby household income of $39,863; at that income and 20% down, the 28% guideline points to a home of about $112,000.
The median rent here is $1,308 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $23,580 |
|---|---|
| Loan amount | $94,320 |
| Principal and interest | $634 |
| Property taxes (3.02% a year) | $297 |
| Homeowners insurance (our estimate, 0.5% a year) | $49 |
| PMI | $0 |
| Total per month | $980 |
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| Down payment | $4,126 |
|---|---|
| Loan amount | $115,765 |
| Principal and interest | $779 |
| Property taxes (3.02% a year) | $297 |
| Homeowners insurance (our estimate, 0.5% a year) | $49 |
| FHA mortgage insurance | $52 |
| Total per month | $1,177 |
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Questions about home buying in Darby
What is the median home value in Darby?
About $117,900 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Darby?
Homeowners pay a median $3,560 a year, which is about 3.02% 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 Darby?
For the median home with 20% down at 7.11%, the payment is about $980 a month. Keeping that under 28% of gross income takes about $42,015 a year.
More about Darby
- Mortgage Refinance in Darby
- Debt Relief in Darby
- Home Equity Loans in Darby
- 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