The typical owner-occupied home in Picture Rocks is worth about $191,100, 25% below the Pennsylvania median of $254,500 and 43% below the national median of $332,700. Owners pay a median $2,307 a year in property taxes, about 1.21% of their home's value, lower than the Pennsylvania rate of 1.30%. The median household earns $94,821 a year, so the median home costs 2.0 times the median income (3.3 times for Pennsylvania). 84% of occupied homes here are lived in by their owners, and 75% of those owners still have a mortgage.
Picture Rocks at a glance
| Picture Rocks | Pennsylvania | U.S. | |
|---|---|---|---|
| Median home value | $191,100 | $254,500 | $332,700 |
| Median property tax paid per year | $2,307 | $3,311 | $3,119 |
| Property tax as a share of value | 1.21% | 1.30% | 0.94% |
| Median household income | $94,821 | $77,971 | $80,734 |
| Homes lived in by their owners | 84% | 69% | 65% |
| Owner homes with a mortgage | 75% | 58% | 61% |
| Median monthly costs, owners with a mortgage | $1,319 | $1,762 | $1,963 |
| Those costs as a share of the owners' income | 14.7% | 19.4% | 21.0% |
| Median rent | $784 | $1,209 | $1,413 |
| Rent as a share of renters' income | 18.3% | 29.2% | 30.6% |
| Median year homes were built | 1959 | 1965 | 1980 |
| Vacant homes | 9.4% | 9.2% | 10.1% |
| Population | 716 | 13,018,639 | 334,922,499 |
What a typical home costs per month in Picture Rocks
At this week's average 30-year rate of 7.11%, buying the median Picture Rocks home of $191,100 with 20% down costs about $1,301 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,619, 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 $55,746 for the 20%-down payment. That payment is 16% of the median Picture Rocks household income of $94,821; at that income and 20% down, the 28% guideline points to a home of about $325,000.
The median rent here is $784 a month, so owning the median home costs about $517 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $38,220 |
|---|---|
| Loan amount | $152,880 |
| Principal and interest | $1,028 |
| Property taxes (1.21% a year) | $193 |
| Homeowners insurance (our estimate, 0.5% a year) | $80 |
| PMI | $0 |
| Total per month | $1,301 |
Change the numbers in the calculator
| Down payment | $6,688 |
|---|---|
| Loan amount | $187,639 |
| Principal and interest | $1,262 |
| Property taxes (1.21% a year) | $193 |
| Homeowners insurance (our estimate, 0.5% a year) | $80 |
| FHA mortgage insurance | $85 |
| Total per month | $1,619 |
Change the numbers in the calculator
Questions about home buying in Picture Rocks
What is the median home value in Picture Rocks?
About $191,100 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Picture Rocks?
Homeowners pay a median $2,307 a year, which is about 1.21% 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 Picture Rocks?
For the median home with 20% down at 7.11%, the payment is about $1,301 a month. Keeping that under 28% of gross income takes about $55,746 a year.
More about Picture Rocks
- Mortgage Refinance in Picture Rocks
- Debt Relief in Picture Rocks
- Home Equity Loans in Picture Rocks
- 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