The typical owner-occupied home in Kirkwood is worth about $368,800, 45% above the Pennsylvania median of $254,500 and 11% above the national median of $332,700. Owners pay a median $4,013 a year in property taxes, about 1.09% of their home's value, lower than the Pennsylvania rate of 1.30%. The median household earns $75,875 a year, so the median home costs 4.9 times the median income (3.3 times for Pennsylvania). 93% of occupied homes here are lived in by their owners, and 59% of those owners still have a mortgage.
Kirkwood at a glance
| Kirkwood | Pennsylvania | U.S. | |
|---|---|---|---|
| Median home value | $368,800 | $254,500 | $332,700 |
| Median property tax paid per year | $4,013 | $3,311 | $3,119 |
| Property tax as a share of value | 1.09% | 1.30% | 0.94% |
| Median household income | $75,875 | $77,971 | $80,734 |
| Homes lived in by their owners | 93% | 69% | 65% |
| Owner homes with a mortgage | 59% | 58% | 61% |
| Median monthly costs, owners with a mortgage | $1,818 | $1,762 | $1,963 |
| Those costs as a share of the owners' income | 28.3% | 19.4% | 21.0% |
| Median rent | – | $1,209 | $1,413 |
| Median year homes were built | 1981 | 1965 | 1980 |
| Vacant homes | 27.4% | 9.2% | 10.1% |
| Population | 307 | 13,018,639 | 334,922,499 |
What a typical home costs per month in Kirkwood
At this week's average 30-year rate of 7.11%, buying the median Kirkwood home of $368,800 with 20% down costs about $2,473 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $3,088, 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 $106,003 for the 20%-down payment. That payment is 39% of the median Kirkwood household income of $75,875; at that income and 20% down, the 28% guideline points to a home of about $264,000.
| Down payment | $73,760 |
|---|---|
| Loan amount | $295,040 |
| Principal and interest | $1,985 |
| Property taxes (1.09% a year) | $335 |
| Homeowners insurance (our estimate, 0.5% a year) | $154 |
| PMI | $0 |
| Total per month | $2,473 |
Change the numbers in the calculator
| Down payment | $12,908 |
|---|---|
| Loan amount | $362,120 |
| Principal and interest | $2,436 |
| Property taxes (1.09% a year) | $335 |
| Homeowners insurance (our estimate, 0.5% a year) | $154 |
| FHA mortgage insurance | $163 |
| Total per month | $3,088 |
Change the numbers in the calculator
Questions about home buying in Kirkwood
What is the median home value in Kirkwood?
About $368,800 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Kirkwood?
Homeowners pay a median $4,013 a year, which is about 1.09% 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 Kirkwood?
For the median home with 20% down at 7.11%, the payment is about $2,473 a month. Keeping that under 28% of gross income takes about $106,003 a year.
More about Kirkwood
- Mortgage Refinance in Kirkwood
- Debt Relief in Kirkwood
- Home Equity Loans in Kirkwood
- 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