The typical owner-occupied home in Smock is worth about $104,800, 59% below the Pennsylvania median of $254,500 and 69% below the national median of $332,700. Owners pay a median $952 a year in property taxes, about 0.91% of their home's value, lower than the Pennsylvania rate of 1.30%. The median household earns $44,783 a year, so the median home costs 2.3 times the median income (3.3 times for Pennsylvania). 98% of occupied homes here are lived in by their owners, and 34% of those owners still have a mortgage.
Smock at a glance
| Smock | Pennsylvania | U.S. | |
|---|---|---|---|
| Median home value | $104,800 | $254,500 | $332,700 |
| Median property tax paid per year | $952 | $3,311 | $3,119 |
| Property tax as a share of value | 0.91% | 1.30% | 0.94% |
| Median household income | $44,783 | $77,971 | $80,734 |
| Homes lived in by their owners | 98% | 69% | 65% |
| Owner homes with a mortgage | 34% | 58% | 61% |
| Median monthly costs, owners with a mortgage | $1,223 | $1,762 | $1,963 |
| Those costs as a share of the owners' income | 17.1% | 19.4% | 21.0% |
| Median rent | – | $1,209 | $1,413 |
| Median year homes were built | 1938 | 1965 | 1980 |
| Vacant homes | 28.3% | 9.2% | 10.1% |
| Population | 564 | 13,018,639 | 334,922,499 |
What a typical home costs per month in Smock
At this week's average 30-year rate of 7.11%, buying the median Smock home of $104,800 with 20% down costs about $687 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $862, 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 $29,449 for the 20%-down payment. That payment is 18% of the median Smock household income of $44,783; at that income and 20% down, the 28% guideline points to a home of about $159,000.
| Down payment | $20,960 |
|---|---|
| Loan amount | $83,840 |
| Principal and interest | $564 |
| Property taxes (0.91% a year) | $79 |
| Homeowners insurance (our estimate, 0.5% a year) | $44 |
| PMI | $0 |
| Total per month | $687 |
Change the numbers in the calculator
| Down payment | $3,668 |
|---|---|
| Loan amount | $102,902 |
| Principal and interest | $692 |
| Property taxes (0.91% a year) | $79 |
| Homeowners insurance (our estimate, 0.5% a year) | $44 |
| FHA mortgage insurance | $46 |
| Total per month | $862 |
Change the numbers in the calculator
Questions about home buying in Smock
What is the median home value in Smock?
About $104,800 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Smock?
Homeowners pay a median $952 a year, which is about 0.91% 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 Smock?
For the median home with 20% down at 7.11%, the payment is about $687 a month. Keeping that under 28% of gross income takes about $29,449 a year.
More about Smock
- Mortgage Refinance in Smock
- Debt Relief in Smock
- Home Equity Loans in Smock
- 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