The typical owner-occupied home in Summerville is worth about $79,000, 69% below the Pennsylvania median of $254,500 and 76% below the national median of $332,700. Owners pay a median $796 a year in property taxes, about 1.01% of their home's value, lower than the Pennsylvania rate of 1.30%. The median household earns $61,875 a year, so the median home costs 1.3 times the median income (3.3 times for Pennsylvania). 70% of occupied homes here are lived in by their owners, and 35% of those owners still have a mortgage.
Summerville at a glance
| Summerville | Pennsylvania | U.S. | |
|---|---|---|---|
| Median home value | $79,000 | $254,500 | $332,700 |
| Median property tax paid per year | $796 | $3,311 | $3,119 |
| Property tax as a share of value | 1.01% | 1.30% | 0.94% |
| Median household income | $61,875 | $77,971 | $80,734 |
| Homes lived in by their owners | 70% | 69% | 65% |
| Owner homes with a mortgage | 35% | 58% | 61% |
| Median monthly costs, owners with a mortgage | $1,050 | $1,762 | $1,963 |
| Those costs as a share of the owners' income | 14.4% | 19.4% | 21.0% |
| Median rent | $883 | $1,209 | $1,413 |
| Rent as a share of renters' income | 17.3% | 29.2% | 30.6% |
| Median year homes were built | 1942 | 1965 | 1980 |
| Vacant homes | 23.6% | 9.2% | 10.1% |
| Population | 436 | 13,018,639 | 334,922,499 |
What a typical home costs per month in Summerville
At this week's average 30-year rate of 7.11%, buying the median Summerville home of $79,000 with 20% down costs about $525 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $656, 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 $22,481 for the 20%-down payment. That payment is 10% of the median Summerville household income of $61,875; at that income and 20% down, the 28% guideline points to a home of about $217,000.
The median rent here is $883 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $15,800 |
|---|---|
| Loan amount | $63,200 |
| Principal and interest | $425 |
| Property taxes (1.01% a year) | $66 |
| Homeowners insurance (our estimate, 0.5% a year) | $33 |
| PMI | $0 |
| Total per month | $525 |
Change the numbers in the calculator
| Down payment | $2,765 |
|---|---|
| Loan amount | $77,569 |
| Principal and interest | $522 |
| Property taxes (1.01% a year) | $66 |
| Homeowners insurance (our estimate, 0.5% a year) | $33 |
| FHA mortgage insurance | $35 |
| Total per month | $656 |
Change the numbers in the calculator
Questions about home buying in Summerville
What is the median home value in Summerville?
About $79,000 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Summerville?
Homeowners pay a median $796 a year, which is about 1.01% 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 Summerville?
For the median home with 20% down at 7.11%, the payment is about $525 a month. Keeping that under 28% of gross income takes about $22,481 a year.
More about Summerville
- Mortgage Refinance in Summerville
- Debt Relief in Summerville
- Home Equity Loans in Summerville
- 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