The typical owner-occupied home in Smicksburg is worth about $68,800, 73% below the Pennsylvania median of $254,500 and 79% below the national median of $332,700. Owners pay a median $1,208 a year in property taxes, about 1.76% of their home's value, higher than the Pennsylvania rate of 1.30%. The median household earns $65,000 a year, so the median home costs 1.1 times the median income (3.3 times for Pennsylvania). 94% of occupied homes here are lived in by their owners, and 47% of those owners still have a mortgage.
Smicksburg at a glance
| Smicksburg | Pennsylvania | U.S. | |
|---|---|---|---|
| Median home value | $68,800 | $254,500 | $332,700 |
| Median property tax paid per year | $1,208 | $3,311 | $3,119 |
| Property tax as a share of value | 1.76% | 1.30% | 0.94% |
| Median household income | $65,000 | $77,971 | $80,734 |
| Homes lived in by their owners | 94% | 69% | 65% |
| Owner homes with a mortgage | 47% | 58% | 61% |
| Median monthly costs, owners with a mortgage | $1,063 | $1,762 | $1,963 |
| Those costs as a share of the owners' income | 19.4% | 19.4% | 21.0% |
| Median rent | – | $1,209 | $1,413 |
| Median year homes were built | 1938 | 1965 | 1980 |
| Vacant homes | 33.3% | 9.2% | 10.1% |
| Population | 41 | 13,018,639 | 334,922,499 |
What a typical home costs per month in Smicksburg
At this week's average 30-year rate of 7.11%, buying the median Smicksburg home of $68,800 with 20% down costs about $500 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $614, 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 $21,421 for the 20%-down payment. That payment is 9% of the median Smicksburg household income of $65,000; at that income and 20% down, the 28% guideline points to a home of about $209,000.
| Down payment | $13,760 |
|---|---|
| Loan amount | $55,040 |
| Principal and interest | $370 |
| Property taxes (1.76% a year) | $101 |
| Homeowners insurance (our estimate, 0.5% a year) | $29 |
| PMI | $0 |
| Total per month | $500 |
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| Down payment | $2,408 |
|---|---|
| Loan amount | $67,554 |
| Principal and interest | $454 |
| Property taxes (1.76% a year) | $101 |
| Homeowners insurance (our estimate, 0.5% a year) | $29 |
| FHA mortgage insurance | $30 |
| Total per month | $614 |
Change the numbers in the calculator
Questions about home buying in Smicksburg
What is the median home value in Smicksburg?
About $68,800 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Smicksburg?
Homeowners pay a median $1,208 a year, which is about 1.76% 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 Smicksburg?
For the median home with 20% down at 7.11%, the payment is about $500 a month. Keeping that under 28% of gross income takes about $21,421 a year.
More about Smicksburg
- Mortgage Refinance in Smicksburg
- Debt Relief in Smicksburg
- Home Equity Loans in Smicksburg
- 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