The typical owner-occupied home in Mountain Top is worth about $297,700, 17% above the Pennsylvania median of $254,500 and 11% below the national median of $332,700. Owners pay a median $3,662 a year in property taxes, about 1.23% of their home's value, lower than the Pennsylvania rate of 1.30%. The median household earns $109,535 a year, so the median home costs 2.7 times the median income (3.3 times for Pennsylvania). 89% of occupied homes here are lived in by their owners, and 68% of those owners still have a mortgage.
Mountain Top at a glance
| Mountain Top | Pennsylvania | U.S. | |
|---|---|---|---|
| Median home value | $297,700 | $254,500 | $332,700 |
| Median property tax paid per year | $3,662 | $3,311 | $3,119 |
| Property tax as a share of value | 1.23% | 1.30% | 0.94% |
| Median household income | $109,535 | $77,971 | $80,734 |
| Homes lived in by their owners | 89% | 69% | 65% |
| Owner homes with a mortgage | 68% | 58% | 61% |
| Median monthly costs, owners with a mortgage | $2,073 | $1,762 | $1,963 |
| Those costs as a share of the owners' income | 18.1% | 19.4% | 21.0% |
| Median rent | $849 | $1,209 | $1,413 |
| Rent as a share of renters' income | 22.8% | 29.2% | 30.6% |
| Median year homes were built | 1985 | 1965 | 1980 |
| Vacant homes | 1.2% | 9.2% | 10.1% |
| Population | 11,850 | 13,018,639 | 334,922,499 |
What a typical home costs per month in Mountain Top
At this week's average 30-year rate of 7.11%, buying the median Mountain Top home of $297,700 with 20% down costs about $2,031 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,527, 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 $87,056 for the 20%-down payment. That payment is 22% of the median Mountain Top household income of $109,535; at that income and 20% down, the 28% guideline points to a home of about $375,000.
The median rent here is $849 a month, so owning the median home costs about $1,182 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $59,540 |
|---|---|
| Loan amount | $238,160 |
| Principal and interest | $1,602 |
| Property taxes (1.23% a year) | $305 |
| Homeowners insurance (our estimate, 0.5% a year) | $124 |
| PMI | $0 |
| Total per month | $2,031 |
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| Down payment | $10,420 |
|---|---|
| Loan amount | $292,308 |
| Principal and interest | $1,966 |
| Property taxes (1.23% a year) | $305 |
| Homeowners insurance (our estimate, 0.5% a year) | $124 |
| FHA mortgage insurance | $132 |
| Total per month | $2,527 |
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Questions about home buying in Mountain Top
What is the median home value in Mountain Top?
About $297,700 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Mountain Top?
Homeowners pay a median $3,662 a year, which is about 1.23% 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 Mountain Top?
For the median home with 20% down at 7.11%, the payment is about $2,031 a month. Keeping that under 28% of gross income takes about $87,056 a year.
More about Mountain Top
- Mortgage Refinance in Mountain Top
- Debt Relief in Mountain Top
- Home Equity Loans in Mountain Top
- 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