The typical owner-occupied home in Girardville is worth about $45,400, 82% below the Pennsylvania median of $254,500 and 86% below the national median of $332,700. Owners pay a median $940 a year in property taxes, about 2.07% of their home's value, higher than the Pennsylvania rate of 1.30%. The median household earns $41,964 a year, so the median home costs 1.1 times the median income (3.3 times for Pennsylvania). 80% of occupied homes here are lived in by their owners, and 12% of those owners still have a mortgage.
Girardville at a glance
| Girardville | Pennsylvania | U.S. | |
|---|---|---|---|
| Median home value | $45,400 | $254,500 | $332,700 |
| Median property tax paid per year | $940 | $3,311 | $3,119 |
| Property tax as a share of value | 2.07% | 1.30% | 0.94% |
| Median household income | $41,964 | $77,971 | $80,734 |
| Homes lived in by their owners | 80% | 69% | 65% |
| Owner homes with a mortgage | 12% | 58% | 61% |
| Median monthly costs, owners with a mortgage | $1,288 | $1,762 | $1,963 |
| Those costs as a share of the owners' income | 19.9% | 19.4% | 21.0% |
| Median rent | $540 | $1,209 | $1,413 |
| Rent as a share of renters' income | 36.3% | 29.2% | 30.6% |
| Median year homes were built | 1938 | 1965 | 1980 |
| Vacant homes | 28.7% | 9.2% | 10.1% |
| Population | 1,110 | 13,018,639 | 334,922,499 |
What a typical home costs per month in Girardville
At this week's average 30-year rate of 7.11%, buying the median Girardville home of $45,400 with 20% down costs about $342 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $417, 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 $14,638 for the 20%-down payment. That payment is 10% of the median Girardville household income of $41,964; at that income and 20% down, the 28% guideline points to a home of about $130,000.
The median rent here is $540 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $9,080 |
|---|---|
| Loan amount | $36,320 |
| Principal and interest | $244 |
| Property taxes (2.07% a year) | $78 |
| Homeowners insurance (our estimate, 0.5% a year) | $19 |
| PMI | $0 |
| Total per month | $342 |
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| Down payment | $1,589 |
|---|---|
| Loan amount | $44,578 |
| Principal and interest | $300 |
| Property taxes (2.07% a year) | $78 |
| Homeowners insurance (our estimate, 0.5% a year) | $19 |
| FHA mortgage insurance | $20 |
| Total per month | $417 |
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Questions about home buying in Girardville
What is the median home value in Girardville?
About $45,400 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Girardville?
Homeowners pay a median $940 a year, which is about 2.07% 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 Girardville?
For the median home with 20% down at 7.11%, the payment is about $342 a month. Keeping that under 28% of gross income takes about $14,638 a year.
More about Girardville
- Mortgage Refinance in Girardville
- Debt Relief in Girardville
- Home Equity Loans in Girardville
- 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