Housing decision brief
Northumberland County, PA Housing Market
Northumberland County screens as a below-state purchase price, below-state rent, a manageable tax-rate signal market. Use the page as a decision brief, not just a price lookup, because local income, taxes, and data confidence change how affordable the county really is.
20th lowest home value out of 67 Pennsylvania counties with data | 14th lowest rent out of 67
Median home value
$151,600
Purchase-price signal from Census ACS.
Median rent
$777/mo
Gross rent, including utilities where reported.
Monthly owner cost
$792/mo
Owner costs before individual loan terms.
Decision snapshot
Read this county in four signals.
Buy screen
2.6x
Median home value divided by local household income.
Rent burden
25.0%
Below 30% usually screens as less pressured.
Rent vs own
$15/mo
Median rent screens below owner cost.
Data confidence
1 note
Crime coverage is partial, so safety comparisons need source context.
What Works
Lower purchase price
$151,600 median home value is 21% below Pennsylvania county median
Lower rent
$777/mo is 10% below Pennsylvania county median
Rent burden below pressure line
25.00% of renter income goes to rent, below the 30% burden threshold.
What to Check
Lower income base
$57,948 median income is 11% below Pennsylvania county median
Crime data coverage
Crime data coverage is partial. Treat zero or low crime rates as incomplete until you check the source coverage.
Best Fit For
- Buyers comparing homes to local incomes
- Remote earners or cash buyers looking below the state price line
Poor Fit For
- Households dependent on a deep local wage market
- Buyers focused only on purchase price and ignoring annual property tax
- Anyone treating reported crime rates as complete without source context
County vs State vs National
The county number only matters after you see the benchmark. These comparisons show where Northumberland County is genuinely cheap, where it is average, and where the hidden cost may be.
| Metric | County | State | U.S. | Signal |
|---|---|---|---|---|
Median home value Lower usually helps affordability. | $151,600 | $193,100 | $281,900 | 21% favorable21% below Pennsylvania county median |
Median gross rent Lower usually helps affordability. | $777 | $868 | $1,163 | 10% favorable10% below Pennsylvania county median |
Monthly owner cost Lower usually helps affordability. | $792 | $893 | $1,672 | 11% favorable11% below Pennsylvania county median |
Median household income | $57,948 | $64,758 | $74,755 | 11% pressure11% below Pennsylvania county median |
Effective property-tax rate Lower usually helps affordability. | 1.17% | 1.29% | 1.02% | 9% favorable9% below Pennsylvania county median |
Rent burden Lower usually helps affordability. | 25.00% | 27.00% | N/A | 7% favorable25.00% of renter income goes to rent. |
Income Fit
A low price only helps if local income can carry the monthly cost. This panel compares the county income base with rent and owner-cost thresholds.
Rent cushion
+$26,868
Median income minus rent threshold.
Owner cushion
+$24,005
Median income minus owner-cost threshold.
Affordability Advisory
This turns the raw housing numbers into income and buy-versus-rent screens.
Affordability verdict
Northumberland County offers affordable rental housing at a median of $777/month , about 16.1% of the typical household income here.
Rent vs own
Renters in Northumberland County pay $777/month on average, compared to $792/month for homeowners. This market favors renters by about 2%.
Income needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $31,080/year. For owner costs at the 28% rule, the required income is roughly $33,943/year. With a median household income of $57,948, most households can comfortably afford rent here. Notably, 25.0% of renter households in Northumberland County are cost-burdened, spending more than 30% of income on housing.
Regional context
Within Pennsylvania, Northumberland County is more affordable than Elk County by roughly 8% ($777/mo vs $720/mo).
Better Counties to Compare
Similar counties are matched on home value, rent, income, and state context. This is more useful than a simple nearest-price list.
| County | Home Value | Rent | Why compare |
|---|---|---|---|
| Clarion County, PA | $152,100 | $785/mo | Same-state comparison near $152,100 home value and $785/mo rent. |
| Indiana County, PA | $145,400 | $786/mo | Same-state comparison near $145,400 home value and $786/mo rent. |
| Potter County, PA | $146,200 | $767/mo | Same-state comparison near $146,200 home value and $767/mo rent. |
| Mercer County, PA | $153,600 | $808/mo | Same-state comparison near $153,600 home value and $808/mo rent. |
| Crawford County, PA | $143,400 | $800/mo | Same-state comparison near $143,400 home value and $800/mo rent. |
Data Confidence
- Crime coverage is partial, so safety comparisons need source context.
Next Checks
Housing Questions for Northumberland County
Is Northumberland County affordable for buying a home?
Is renting or owning cheaper in Northumberland County?
How much income do you need for housing in Northumberland County?
What should I double-check before moving to Northumberland County?
Data: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.