Pennsylvania. Housing Availability & Affordability Report

Transcription

1 Pennsylvania Housing Availability & Affordability Report Produced by the Pennsylvania Housing Finance Agency September 212

2 Table of Contents Acknowledgement... 4 Preface... 5 Executive Summary... 6 Data Sources... 1 Statewide Data Pennsylvania Composite Data Affordability Maps Affordability Maps Maps Data by County Adams County Allegheny County Armstrong County Beaver County... 2 Bedford County Berks County Blair County Bradford County Bucks County Butler County Cambria County Cameron County Carbon County Centre County... 3 Chester County Clarion County Clearfield County

3 Clinton County Columbia County Crawford County Cumberland County Dauphin County Delaware County Elk County... 4 Erie County Fayette County Forest County Franklin County Fulton County Greene County Huntingdon County Indiana County Jefferson County Juniata County... 5 Lackawanna County Lancaster County Lawrence County Lebanon County Lehigh County Luzerne County Lycoming County McKean County Mercer County Mifflin County... 6 Monroe County Montgomery County Montour County Northampton County Northumberland County Perry County

4 Philadelphia County Pike County Potter County Schuylkill County... 7 Snyder County Somerset County Sullivan County Susquehanna County Tioga County Union County Venango County Warren County Washington County Wayne County... 8 Westmoreland County Wyoming County York County Appendix A: HUD Four-Person Limits Report Availability & PHFA Background Information

5 Acknowledgement The staff at the Pennsylvania Housing Finance Agency would like to acknowledge the ideas and suggestions provided by the Montana Department of Commerce that stimulated the production of this report. Our report was conceived after seeing a similar study done by the state of Montana. That study was shared during an annual meeting of the National Council of State Housing Agencies, which encourages information sharing among state housing finance agencies. Penny Cope with the Montana Department of Commerce was especially helpful during subsequent phone calls asking for advice and guidance. The assistance from the state of Montana is greatly appreciated. 4

6 Preface The Pennsylvania Housing Finance Agency plays a vital role in the state by leading the development of affordable rental housing, and by providing mortgage products for low- and moderate-income families that are ready for the responsibilities of homeownership. In our day-to-day work, we frequently rely on data from the U.S. Census Bureau and other reputable sources to guide our understanding of housing trends in various parts of the Commonwealth. Recently, it struck us that there would be value for our own agency, and also for housing professionals across the state, to have this data consolidated and presented in a consistent format as a helpful resource. A similar report developed by the state of Montana provided our inspiration. This report focuses on housing availability and affordability in Pennsylvania and should interest people who want to gauge the abundance and relative cost of housing in the particular county where they live or work. Additionally, comparisons between counties are easily accomplished using the findings in this report. Statewide data also have been presented so that housing availability and affordability in individual counties can be compared and contrasted with the status of housing in the state as a whole. Based on feedback we receive on this first Pennsylvania and Affordability Report, we may produce this report on a recurring basis. The value of this, of course, is that it would allow us to better track trends in the housing sector. With this in mind, we invite public feedback on the value of this document and ways we might improve it. We would like to keep the report fairly simple so that it functions effectively as a quick reference guide. But we certainly are open to suggestions on how we can improve the contents and our presentation of data. We welcome readers to draw from this report and cite its findings in any documents they are developing. We merely ask that you please attribute the source as the 212 Pennsylvania Housing Availability and Affordability Report produced by the Pennsylvania Housing Finance Agency. We hope the broader sharing of this data can help drive enlightened housing policymaking across the Commonwealth that benefits our state s residents. Affordable housing is critical for helping Pennsylvanians reach their full potential. When housing is readily available for people at various income levels, it helps families come together, it supports community stability and vitality, and it provides economic stimulus that benefits everyone. We hope this report helps make these things possible by giving us all a clearer picture of the status of our state s housing environment and the trends underway. Brian A. Hudson, Sr. Executive Director and CEO Harrisburg, Pa. September 212 5

7 Executive Summary This initial Pennsylvania and Affordability Report provides useful data snapshots, at the county and state levels, that let us evaluate the status of our housing resources at this particular moment in time, and which indicate homeownership and rental trends. What we see in Pennsylvania are shifts mirroring what has been reported about housing on the national level, but shifts that generally are less extreme than seen in some other states garnering most of the media attention related to the housing bubble and foreclosures. 1 These changes in the marketplace include: A trend toward lower homeownership rates Data showing that more people are renting Indications that rents are increasing due to greater market demand, and Evidence of an increasing need to provide affordable housing options for the state s residents of particular importance for an aging population and for households in the Marcellus Shale region (running along the northern tier and western half of the state). In February, USA Today reported falling national homeownership rates based on U.S. Census data. The paper reported that the nation s homeownership rate fell to 66% in the fourth quarter [of 211], continuing a seven-year drop from a fourth-quarter peak of 69.2% in In Pennsylvania, the rate of homeownership on a statewide level, while down, did not reflect such dramatic change, falling from 71.3 percent in 2 to 69.6 percent a decade later. Lower homeownership rates are seen in 63 of Pennsylvania s 67 counties. Several reasons are given for this drop in homeownership at a time when extremely low interest rates traditionally would be expected to produce the opposite result. These include stricter mortgage lending criteria, a lack of money by first-time homebuyers for down payments, and concerns that home prices will continue to fall. 3 So, ironically, at a time when the National Association of Realtors housing affordability index indicates that the typical American family has roughly double the income needed to purchase a median-priced home, homebuyers remain reluctant to make that home purchase. 4 1 As reported by the Pittsburgh Post-Gazette, a national housing affordability study by the Washington, DC-based Center for Housing Policy found that 18 percent of the state s residents faced housing affordability challenges in 21 compared to 17 percent in 28. So the trend is toward fewer people being able to afford housing here. Pennsylvania was found to be the 15 th least burdened state for housing affordability. Tim Grant, Housing costs are a burden for 1 in 6 here, Pittsburgh Post-Gazette, May 4, 212, on the Web at: post-gazette.com/stories/business/news/housing-costs-are-a-burden-for-1-in-6-here /. 2 Julie Schmit, rates fall to 66% as downturn nears a bottom, USA Today, February 1, 212, on the Web at: 3 John Gittelsohn, U.S. homeownership rate declines to 1998 levels, Census says, Bloomberg, January 31, 212, on the Web at: bloomberg.com/news/ /u-s-homeownership-rate-declines-to-1998-levels- census-says.html. 4 Housing affordability index hits record high, National Association of Realtors, March 6, 212, on the Web at: realtor.org/press_room/news_releases/212/3/hai_record. 6

8 Additionally, while falling home prices might be expected to produce more affordable rental opportunities, the shift of more households from homeownership to rental living is pushing up rents in multifamily buildings and in homes-for-rent by increasing market demand. Economist Paul Diggle explains, The flipside [of a depressed housing market] is more households in the rented sector and fewer properties lacking tenants. This is helping to drive rents, and therefore landlords returns, higher. 5 Rental housing affordability in Pennsylvania We see these trends in our own rental data. Our table of housing characteristics for Pennsylvania shows that from 2 to 21 the number of renter-occupied households increased from 1,37,666 to 1,527,182 an increase of 156,516 renter households. At the same time that more families were moving into rental housing, the estimated gross rent for a two-bedroom apartment ( fair market rent ) in Pennsylvania rose from $57 to $65 a 28 percent jump. This increase in apartment rents comes at a time when many families are experiencing flat or declining incomes, in some cases due to the loss of a job by a family member. The end result is that housing expenses are taking an even larger bite out of a household s monthly budget, sometimes making other necessities unaffordable. Examining the data for Pennsylvania, it is significant to note that rental costs in an increasing number of counties have risen to the point that they now exceed 3 percent of a household s income, which is generally accepted as the maximum level for maintaining affordability. 6 This is a disturbing trend being fueled by a combination of the housing and economic downturn occurring simultaneously, with market demand driving up rents at a time when some family incomes have leveled off or are declining. The maps showing rental affordability statewide clearly illustrate this trend. In 2, there were 12 counties with fair market rents that exceeded 3 percent of the median renter income. The data collected from 26 to 21 show 32 counties now in the red with fair market rents exceeding the 3 percent income level. Two factors could improve this situation in the rental housing market. As the economy strengthens, household incomes could improve so that rental costs in more counties become affordable again. Alternatively, if rents keep rising, homeownership could become a more attractive option and families could move out of the rental market. This could ease market demand and stabilize rent levels. But, of course, none of this is definite, and this dramatic decrease in affordable rental housing in 32 Pennsylvania counties should be of concern. affordability in Pennsylvania On the homeownership front, the findings generally are more positive. In 2, the overall state affordable home cost was $113,69 and the median home value was well within that price at $94,8. 5 Gittelsohn, U.S. homeownership rate declines to 1998 levels, Census says. 6 A widely accepted definition of affordable housing is provided by the U.S. Department of Housing and Urban Development on its website at: hud.gov/offices/cpd/affordablehousing/. 7

9 The 26-to-21 data show the affordable cost of a home in Pennsylvania had risen to $165,758. The median home value had risen, as well, to $159,3 still within the affordable cost of a home (but with the two values now moving closer). Nevertheless, the data indicate that for some occupations homeownership in Pennsylvania still remains largely unaffordable. Our study looked at the typical income levels for a licensed practical nurse, a police officer, an elementary school teacher, and a retail salesperson. In 2 and in 26-21, homes remained unaffordable for the typical licensed practical nurse and retail sales employee in many counties. In contrast, homes remained affordable for the person on a police officer s salary and for the typical elementary school teacher in many counties. in the state is clearly under pressure, as the homeownership affordability maps reveal. But this pressure is largely regionalized. From 2 until 26-21, the eastern line of counties in the state that run along the New Jersey-New York border have become locations where homeownership is no longer affordable at the median household income. Not surprisingly, these are the same counties where single-family building permits decreased significantly during that same time period. It is likely that this reflects recognition by homebuilders of the depressed demand for new homes in that region of the state. Seven counties that face mounting housing affordability pressures A useful exercise can be to overlay both the homeownership and renter affordability maps to see where both housing markets are becoming unaffordable; this situation puts households in a terrible bind in their efforts to secure affordable housing. What this reveals in 2 is only one county Centre County in which homeownership and rental housing were both unaffordable. When compared with the more recent data from 26-to-21, six counties in eastern Pennsylvania now have joined Centre County by having unaffordable homeownership and rental housing markets; they are: Wayne, Pike, Northampton, Lehigh, Philadelphia and Delaware. Homeowners in these counties are facing a decrease in affordable housing options that will hurt the vitality of communities located there. As the natural gas industry places more of a demand on available housing stock in the Marcellus Shale region, we could see more counties in the northern and western regions of the state follow this trend. Proactive measures by the state legislature and the Pennsylvania Housing Finance Agency already are underway to prevent that from happening. Housing observations worth noting As we reviewed the data and compared the findings for different counties, the following observations seem significant: The counties with the lowest homeownership rates are Philadelphia, Centre, Allegheny and Dauphin two of which are the largest metropolitan areas of the state. In contrast, counties that are exhibiting the highest homeownership rates are Pike, Forest, Wayne, Sullivan, Perry and Monroe. Counties with the newest housing stock, based on the median year the structures were built, are Pike, Monroe, Chester, Adams and Wayne. 8

10 Counties with the oldest housing stock are Schuylkill, Northumberland, Lackawanna, and Philadelphia. Aging of the state s population emphasizes the ongoing need for affordable housing Another trend that deserves attention is the aging of the state s population. The maps showing the percent of the population age 65 and over illustrate how dramatic this shift will be during the next 18 years. In the year 21, the percentage of the state s population age 65 and older was an estimated 15.5 percent; by 23 that is expected to be 22.5 percent. The graduated color map displaying aging trends on page 15 reveals that this shift to an older population will be most prominent in the Marcellus Shale region precisely where changes to the economy already are putting pressure on housing affordability. State programs, such as those that help people adapt their homes so they can live independently longer into their senior years, will be critical for keeping housing affordable for this segment of the population. A trend to watch: the impact of the natural gas industry on housing in Pennsylvania We have included data in this report about how many unconventional gas wells are located in each county because of the public discussion, primarily in the Marcellus Shale region, about how this activity is affecting the availability of housing and driving up rents. 7 The size of the natural gas industry in Pennsylvania is expected to increase during the next few decades, and this seemed to be a worthwhile metric to watch given its potential impact on housing affordability and availability. Indeed, from 29 to 21 the number of unconventional gas wells drilled in the state nearly doubled. Recent news reports suggest this growth spurt by the gas industry will subside somewhat, however, in response to an overproduction of natural gas. 8 Nevertheless, it s clear the activities of the gas industry will impact housing significantly in Pennsylvania for decades to come. HUD four-person income limits As a convenience for readers, Appendix A provides four-person income limits based on Family (MFI) values for 2 and 21 as published by the U.S. Department of Housing and Urban Development. The term Area (AMI) also is frequently used to refer to this data. We caution readers that these MFI values are not directly comparable to the data in our county or statewide data sheets because of differences in data definitions and methodology used by the U.S. Census Bureau and HUD. But we provide this information as a quick reference tool because income limit data is so commonly used by housing professionals. 7 Act 13 of 212 defines an unconventional gas well as a bore hole drilled or being drilled for the purpose of, or to be used for, the production of natural gas from an unconventional formation [such as Marcellus Shale]. 8 Kevin Begos (Associated Press), Gas drilling rigs decline in Pa. and nationwide, Yahoo! News, March 27, 212, on the Web at: 9

11 Data Sources Data is from the U.S. Census Bureau (Census 2 and American Community Survey*). Data is from the U.S. Census Bureau (Census 2 and 21 Census). The 21 value for Year is from the American Community Survey. : is from the U.S. Census Bureau (Census 2 and American Community Survey*). Two-Bedroom Gross Rent is fair market rent from the U.S. Department of Housing and Urban Development. : and Home Value are from the U.S. Census Bureau (Census 2 and American Community Survey*). is calculated using ; average annual interest rate from Freddie Mac; average fire, hazard and flood insurance from the U.S. Census Bureau (Census 2 Public Use Microdata Sample and American Community Survey Public Use Microdata Sample); private mortgage insurance rate from Mortgage Guaranty Insurance Corporation; and median real estate tax from the U.S. Census Bureau (Census 2 Public Use Microdata Sample and American Community Survey). by Select : is from the Pennsylvania Department of Labor and Industry and U.S. Bureau of Labor Statistics. The Percent of to Rent a 2-Bedroom is calculated using fair market rents from the U.S. Department of Housing and Urban Development. is calculated using ; average annual interest rate from Freddie Mac; average fire, hazard and flood insurance from the U.S. Census Bureau (Census 2 Public Use Microdata Sample and American Community Survey Public Use Microdata Sample); private mortgage insurance rate from Mortgage Guaranty Insurance Corporation; and median real estate tax from the U.S. Census Bureau (Census 2 Public Use Microdata Sample and American Community Survey). Chart: Data is from the U.S. Census Bureau (Building Permits). : Calculated from data provided by the Pennsylvania State Data Center. : Data is from the Pennsylvania Department of Environmental Protection (as of 8/9/12). *The Census 2 long form questionnaire asks for income in 1999 and the American Community Survey questionnaire asks for income in the past 12 months. 1

12 & Affordability: Statewide Data 11

13 Pennsylvania Percent of Total Less than $1, 9.7% 7.3% $1, to $24, % 17.2% $25, to $49, % 25.2% $5, to $99, % 31.4% $1, to $199, % 15.5% $2, or more 1.9% 3.5% Year Owner- Year Housing per 2 4,777,3 3,46,337 1,37, % ,18,94 3,491,722 1,527, % Bedroom % of Gross Rent to 2 $24,61 $ % $28,51 $ % Home 2 $39,987 $94,8 $113, $5,398 $159,3 $165,758 by Select $29,89 2.4% $76,926 $39, % $114,863 Police Officer $42, % $122,315 $55, % $187,3 Elementary School $46,65 13.% $136,92 $49, % $163,67 Retail Salesperson $16,3 38.% $27,312 $2, % $31,194 Red indicates the amount a homebuyer can afford to spend on a home is less than the state median home value, or rent that exceeds 3 percent of a % 15.5% 18.7% 22.5% ,616 12

14 ERIE Affordability 2 CRAWFORD WARREN MCKEAN POTTER TIOGA BRADFORD SUSQUEHANNA WAYNE FOREST ELK VENANGO CAMERON MERCER JEFFERSON CLARION LAWRENCE CLEARFIELD BUTLER ARMSTRONG BEAVER INDIANA WYOMING SULLIVAN LACKAWANNA PIKE LYCOMING CLINTON LUZERNE COLUMBIA MONROE MONTOUR CENTRE UNION CARBON NORTHUMBERLAND SNYDER NORTHAMPTON MIFFLIN SCHUYLKILL JUNIATA LEHIGH ALLEGHENY CAMBRIA BLAIR PERRY WESTMORELAND WASHINGTON SOMERSET BEDFORD FAYETTE GREENE HUNTINGDON CUMBERLAND FULTON FRANKLIN ADAMS DAUPHIN BERKS LEBANON BUCKS MONTGOMERY LANCASTER PHILADELPHIA CHESTER YORK DELAWARE ERIE CRAWFORD WARREN MCKEAN POTTER TIOGA BRADFORD SUSQUEHANNA WAYNE FOREST ELK VENANGO CAMERON MERCER JEFFERSON CLARION LAWRENCE CLEARFIELD BUTLER ARMSTRONG BEAVER INDIANA WYOMING SULLIVAN LACKAWANNA PIKE LYCOMING CLINTON LUZERNE COLUMBIA MONROE MONTOUR CENTRE UNION CARBON NORTHUMBERLAND SNYDER NORTHAMPTON MIFFLIN SCHUYLKILL JUNIATA LEHIGH ALLEGHENY CAMBRIA BLAIR PERRY WESTMORELAND WASHINGTON SOMERSET BEDFORD FAYETTE GREENE HUNTINGDON CUMBERLAND FULTON FRANKLIN ADAMS DAUPHIN BERKS LEBANON BUCKS MONTGOMERY LANCASTER PHILADELPHIA CHESTER YORK DELAWARE Percent of to >3% <=3% Source: U.S. Census Bureau; U.S. Department of Housing and Urban Development 13

15 ERIE Affordability 2 CRAWFORD WARREN MCKEAN POTTER TIOGA BRADFORD SUSQUEHANNA WAYNE FOREST ELK CAMERON VENANGO MERCER JEFFERSON CLARION LAWRENCE CLEARFIELD BUTLER ARMSTRONG BEAVER INDIANA WYOMING SULLIVAN LACKAWANNA PIKE LYCOMING CLINTON LUZERNE COLUMBIA MONROE MONTOUR CENTRE UNION CARBON NORTHUMBERLAND SNYDER NORTHAMPTON MIFFLIN SCHUYLKILL JUNIATA LEHIGH ALLEGHENY CAMBRIA BLAIR PERRY WESTMORELAND WASHINGTON SOMERSET BEDFORD FAYETTE GREENE HUNTINGDON CUMBERLAND FULTON FRANKLIN ADAMS DAUPHIN BERKS LEBANON BUCKS MONTGOMERY LANCASTER PHILADELPHIA CHESTER YORK DELAWARE ERIE CRAWFORD WARREN MCKEAN POTTER TIOGA BRADFORD SUSQUEHANNA WAYNE FOREST ELK VENANGO CAMERON MERCER JEFFERSON CLARION LAWRENCE CLEARFIELD BUTLER ARMSTRONG BEAVER INDIANA WYOMING SULLIVAN LACKAWANNA PIKE LYCOMING CLINTON LUZERNE COLUMBIA MONROE MONTOUR CENTRE UNION CARBON NORTHUMBERLAND SNYDER NORTHAMPTON MIFFLIN SCHUYLKILL JUNIATA LEHIGH ALLEGHENY CAMBRIA BLAIR PERRY WESTMORELAND WASHINGTON SOMERSET BEDFORD FAYETTE GREENE HUNTINGDON CUMBERLAND FULTON FRANKLIN ADAMS DAUPHIN BERKS LEBANON BUCKS MONTGOMERY LANCASTER PHILADELPHIA CHESTER YORK DELAWARE Home is not Affordable at Home is Affordable at Source: U.S. Census Bureau; Freddie Mac; Mortgage Guaranty Insurance Corporation 14

16 2 ERIE CRAWFORD WARREN MCKEAN POTTER TIOGA BRADFORD SUSQUEHANNA WAYNE FOREST ELK CAMERON VENANGO MERCER JEFFERSON CLARION LAWRENCE CLEARFIELD BUTLER ARMSTRONG BEAVER INDIANA WYOMING SULLIVAN LACKAWANNA PIKE LYCOMING CLINTON LUZERNE COLUMBIA MONROE MONTOUR CENTRE UNION CARBON NORTHUMBERLAND SNYDER NORTHAMPTON MIFFLIN SCHUYLKILL JUNIATA LEHIGH ALLEGHENY CAMBRIA BLAIR PERRY WESTMORELAND WASHINGTON SOMERSET BEDFORD FAYETTE GREENE HUNTINGDON CUMBERLAND FULTON FRANKLIN ADAMS DAUPHIN BERKS LEBANON BUCKS MONTGOMERY LANCASTER PHILADELPHIA CHESTER YORK DELAWARE ERIE 23 CRAWFORD WARREN MCKEAN POTTER TIOGA BRADFORD SUSQUEHANNA WAYNE FOREST ELK VENANGO CAMERON MERCER JEFFERSON CLARION LAWRENCE CLEARFIELD BUTLER ARMSTRONG BEAVER INDIANA WYOMING SULLIVAN LACKAWANNA PIKE LYCOMING CLINTON LUZERNE COLUMBIA MONROE MONTOUR CENTRE UNION CARBON NORTHUMBERLAND SNYDER NORTHAMPTON MIFFLIN SCHUYLKILL JUNIATA LEHIGH ALLEGHENY CAMBRIA BLAIR PERRY WESTMORELAND WASHINGTON SOMERSET BEDFORD FAYETTE GREENE HUNTINGDON CUMBERLAND FULTON FRANKLIN ADAMS DAUPHIN BERKS LEBANON BUCKS MONTGOMERY LANCASTER PHILADELPHIA CHESTER YORK DELAWARE Source: Pennsylvania State Data Center 9.5% - 15.% 15.1% - 2.% 2.1% - 25.% 25.1% - 3.% 3.1% % 15

17 & Affordability: Data by County 16

18 Adams County Percent of Total Less than $1, 5.9% 4.5% $1, to $24, % 13.7% $25, to $49, % 25.4% $5, to $99, % 37.9% $1, to $199, % 16.6% $2, or more.6% 2.% Year Owner- Year Housing per 2 33,652 25,861 7, % ,13 29,368 8, % Bedroom % of Gross Rent to 2 $28,36 $ % $31,764 $ % Home 2 $42,913 $19,5 $122, $56,529 $2,7 $191,99 by Select $32, % $85,33 $39, % $113,928 Police Officer $49, % $146,66 $51, % $17,561 Elementary School $41, % $118,338 $47, % $151,74 Retail Salesperson $15, % $23,214 $19,1 41.5% $23,23 Red indicates the amount a homebuyer can afford to spend on a home is less than the county median home value, or rent that exceeds 3 percent of a % 14.3% 18.4% 23.7% 17

19 Allegheny County Percent of Total Less than $1, 1.7% 8.1% $1, to $24, % 18.6% $25, to $49, % 25.1% $5, to $99, % 29.7% $1, to $199, % 14.5% $2, or more 2.3% 4.% Year Owner- Year Housing per 2 537,15 36,36 177, % ,96 345, , % Bedroom % of Gross Rent to 2 $22,791 $ % $25,966 $ % Home 2 $38,154 $83,5 $12, $47,961 $115,2 $156,2 by Select $3, % $74,853 $38, % $114,745 Police Officer $53, % $158,544 $56, % $195,512 Elementary School $45,5 14.7% $129,81 $47, % $153,433 Retail Salesperson $15, % $22,219 $19, % $29,433 Red indicates the amount a homebuyer can afford to spend on a home is less than the county median home value, or rent that exceeds 3 percent of a % 17.% 2.3% 24.3%

20 Armstrong County Percent of Total Less than $1, 11.% 7.1% $1, to $24, % 2.6% $25, to $49, % 3.3% $5, to $99, % 31.8% $1, to $199, % 9.4% $2, or more.5%.7% Year Owner- Year Housing per 2 29,5 22,48 6, % ,713 21,668 7, % Bedroom % of Gross Rent to 2 $2,6 $ % $24,379 $ % Home 2 $31,694 $63,8 $89, $42,752 $89,1 $149,84 by Select $26,6 19.9% $69,466 $35, % $116,47 Police Officer $28, % $79,3 $48, % $174,344 Elementary School $45, % $139,451 $51, % $19,257 Retail Salesperson $26, % $72,723 $23, % $61,81 Red indicates the amount a homebuyer can afford to spend on a home is less than the county median home value, or rent that exceeds 3 percent of a % 17.5% 22.2% 27.8%

21 Beaver County Percent of Total Less than $1, 9.4% 7.2% $1, to $24, % 18.2% $25, to $49, % 28.2% $5, to $99, % 32.8% $1, to $199, % 12.2% $2, or more.7% 1.6% Year Owner- Year Housing per 2 72,576 54,367 18, % ,383 52,335 19, % Bedroom % of Gross Rent to 2 $22,323 $558 3.% $26,383 $ % Home 2 $36,963 $83,2 $15, $46,19 $112,4 $158,86 by Select $21, % $51,822 $37, % $12,23 Police Officer $27, % $7,24 $42,39 2.2% $141,75 Elementary School $45, % $135,674 $52, % $185,873 Retail Salesperson $14, % $26,743 $19, % $39,749 Red indicates the amount a homebuyer can afford to spend on a home is less than the county median home value, or rent that exceeds 3 percent of a % 19.1% 23.9% 3.9%

22 Bedford County Percent of Total Less than $1, 1.2% 7.5% $1, to $24, % 21.5% $25, to $49, % 32.4% $5, to $99, % 29.8% $1, to $199,999 3.% 7.6% $2, or more.9% 1.2% Year Owner- Year Housing per 2 19,768 15,841 3, % ,233 15,882 4, % Bedroom % of Gross Rent to 2 $21,337 $ % $23,161 $ % Home 2 $32,647 $77,9 $94, $4,249 $112,8 $143,235 by Select $23, % $62,478 $33,1 19.5% $11,962 Police Officer $4, % $122,354 $38, % $133,882 Elementary School $48, % $151,553 $49, % $183,878 Retail Salesperson $13, % $26,47 $18, % $46,78 Red indicates the amount a homebuyer can afford to spend on a home is less than the county median home value, or rent that exceeds 3 percent of a % 17.1% 19.9% 23.3%

23 Berks County Percent of Total Less than $1, 7.6% 5.4% $1, to $24, % 15.8% $25, to $49,999 3.% 25.6% $5, to $99, % 34.9% $1, to $199, % 15.9% $2, or more 1.5% 2.4% Year Owner- Year Housing per 2 141,57 14,719 36, % ,356 11,653 43, % Bedroom % of Gross Rent to 2 $26,648 $ % $28,922 $ % Home 2 $44,456 $14,4 $122, $53,47 $17,4 $168,249 by Select $34,63 19.% $87,736 $41, % $113,283 Police Officer $41, % $113,796 $56, % $183,86 Elementary School $5, % $145,582 $51, % $159,41 Retail Salesperson $15, % $2,82 $21, % $23,321 Red indicates the amount a homebuyer can afford to spend on a home is less than the county median home value, or rent that exceeds 3 percent of a 2, 1,5 15.% 14.3% 16.8% 2.1% 1, 5 22

24 Blair County Percent of Total Less than $1, 11.5% 7.7% $1, to $24, % 21.9% $25, to $49, % 28.1% $5, to $99, % 31.5% $1, to $199, % 9.1% $2, or more.8% 1.6% Year Owner- Year Housing per 2 51,518 37,554 13, % ,159 36,653 15,56 7.3% Bedroom % of Gross Rent to 2 $18,449 $ % $21,416 $ % Home 2 $32,846 $71,1 $97, $42,363 $97,4 $157,113 by Select $25,32 2.6% $7,33 $31, % $19,85 Police Officer $42, % $132,982 $41, % $155,14 Elementary School $47,29 11.% $148,947 $4, % $149,84 Retail Salesperson $15, % $33,756 $18, % $48,5 Red indicates the amount a homebuyer can afford to spend on a home is less than the county median home value, or rent that exceeds 3 percent of a % 18.3% 23.5% 29.1% 5 23

25 Bradford County Percent of Total Less than $1, 9.9% 7.5% $1, to $24, % 22.8% $25, to $49, % 29.4% $5, to $99, % 3.4% $1, to $199, % 8.4% $2, or more.9% 1.5% Year Owner- Year Housing per 2 24,453 18,455 5, % ,321 18,81 6, % Bedroom % of Gross Rent to 2 $21,989 $ % $23,957 $ % Home 2 $34,986 $74, $11, $4,543 $11,7 $14,41 by Select $25, % $69,172 $33, % $16,954 Police Officer $3, % $87,482 $36, % $121,643 Elementary School $41, % $124,66 $53, % $196,875 Retail Salesperson $22, % $58,154 $21,527 3.% $54,565 Red indicates the amount a homebuyer can afford to spend on a home is less than the county median home value, or rent that exceeds 3 percent of a % 18.4% 23.3% 28.7%

26 Bucks County Percent of Total Less than $1, 4.3% 3.% $1, to $24, % 1.% $25, to $49, % 18.9% $5, to $99, % 33.% $1, to $199, % 27.5% $2, or more 3.7% 7.5% Year Owner- Year Housing per 2 218, ,25 49, % , ,13 53, % Bedroom % of Gross Rent to 2 $36,426 $ % $4,282 $ % Home 2 $59,443 $161,9 $158, $74,828 $321,5 $226,25 by Select $35, % $73,64 $45, % $92,97 Police Officer $52, % $132,993 $65, % $182,411 Elementary School $5, % $127,69 $48, % $17,766 Retail Salesperson $18, % $11,9 $22, % $* *No affordable home at this income. Red indicates the amount a homebuyer can afford to spend on a home is less than the county median home value, or rent that exceeds 3 percent of a 2,5 2, 12.4% 14.% 18.5% 24.1% 1,5 1, 5 25

27 Butler County Percent of Total Less than $1, 8.2% 5.1% $1, to $24,999 2.% 14.9% $25, to $49, % 24.% $5, to $99, % 33.5% $1, to $199, % 19.2% $2, or more 1.5% 3.3% Year Owner- Year Housing per 2 65,862 51,285 14, % ,835 55,241 17, % Bedroom % of Gross Rent to 2 $23,528 $ % $28,421 $ % Home 2 $42,248 $15,3 $12, $56,878 $159, $198,82 by Select $26, % $64,59 $36, % $15,893 Police Officer $4, % $116,4 $39,79 22.% $118,452 Elementary School $45, % $132,435 $51, % $174,366 Retail Salesperson $15, % $23,139 $2, % $35,189 Red indicates the amount a homebuyer can afford to spend on a home is less than the county median home value, or rent that exceeds 3 percent of a % 14.% 17.7% 22.2%

28 Cambria County Percent of Total Less than $1, 12.1% 8.3% $1, to $24, % 22.9% $25, to $49, % 29.3% $5, to $99, % 3.1% $1, to $199, % 8.2% $2, or more 1.% 1.2% Year Owner- Year Housing per 2 6,531 45,271 15, % ,95 43,392 15, % Bedroom % of Gross Rent to 2 $17,827 $ % $21,153 $ % Home 2 $3,192 $61,4 $89, $39,574 $86, $143,98 by Select $22,99 24.% $6,25 $35, % $123,919 Police Officer $32, % $98,937 $26, % $86,72 Elementary School $47, % $15,426 $48, % $186,244 Retail Salesperson $14, % $34,461 $19, 34.% $51,12 Red indicates the amount a homebuyer can afford to spend on a home is less than the county median home value, or rent that exceeds 3 percent of a % 18.8% 23.6% 28.5%

29 Cameron County Percent of Total Less than $1, 1.3% 7.3% $1, to $24, % 18.1% $25, to $49, % 36.9% $5, to $99, % 29.9% $1, to $199, % 7.4% $2, or more.4%.3% Year Owner- Year Housing per 2 2,465 1, % ,273 1, % Bedroom % of Gross Rent to 2 $21,458 $ % $27,11 $54 24.% Home 2 $32,77 $61,5 $93, $4,733 $74,2 $146,684 by Select $23, % $62,47 $31, % $16,259 Police Officer $38, % $116,22 $45, % $167,116 Elementary School $46, % $144,348 $47,5 13.8% $174,998 Retail Salesperson $14, % $3,663 $18, % $48,78 Red indicates the amount a homebuyer can afford to spend on a home is less than the county median home value, or rent that exceeds 3 percent of a % 2.7% 28.9% 35.9%

30 Carbon County Percent of Total Less than $1, 9.9% 5.% $1, to $24, % 19.4% $25, to $49, % 28.2% $5, to $99, % 34.7% $1, to $199, % 11.9% $2, or more.5%.9% Year Owner- Year Housing per 2 23,71 18,529 5, % ,684 2,643 6, % Bedroom % of Gross Rent to 2 $21,82 $ % $24,811 $ % Home 2 $35,176 $81, $95, $47,744 $139,8 $157,569 by Select $24, % $58,745 $39, % $119,815 Police Officer $16,4 45.1% $26,933 $45, % $149,614 Elementary School $44, % $127,294 $53, % $183,219 Retail Salesperson $16, % $28,945 $19, % $28,783 Red indicates the amount a homebuyer can afford to spend on a home is less than the county median home value, or rent that exceeds 3 percent of a % 19.6% 2.8% 22.1% 29

31 Centre County Percent of Total Less than $1, 11.5% 1.1% $1, to $24, % 17.% $25, to $49, % 25.5% $5, to $99, % 3.% $1, to $199, % 14.2% $2, or more 1.3% 3.2% Year Owner- Year Housing per 2 49,323 29,678 19, % ,573 33,716 23, % Bedroom % of Gross Rent to 2 $2,365 $ % $25,118 $ % Home 2 $36,295 $19,4 $1, $47,16 $175,8 $15,671 by Select $25, % $62,715 $31, % $79,335 Police Officer $45, % $132,66 $56, % $194,396 Elementary School $48, % $144,92 $49, % $162,381 Retail Salesperson $14, % $22,838 $19, % $26,147 Red indicates the amount a homebuyer can afford to spend on a home is less than the county median home value, or rent that exceeds 3 percent of a % 11.6% 15.5% 19.2%

32 Chester County Percent of Total Less than $1, 4.2% 3.4% $1, to $24, % 8.6% $25, to $49, % 16.1% $5, to $99, % 3.4% $1, to $199, % 29.6% $2, or more 6.% 11.8% Year Owner- Year Housing per 2 157,95 12,428 37, % ,9 139,328 43, % Bedroom % of Gross Rent to 2 $38,516 $ % $44,888 $ % Home 2 $65,37 $178,9 $178, $84,741 $334,3 $268,68 by Select $34, % $67,991 $46, % $96,61 Police Officer $51, % $13,79 $6, % $161,315 Elementary School $45, % $19,79 $5, % $114,457 Retail Salesperson $17, % $7,43 $22, % $* *No affordable home at this income. Red indicates the amount a homebuyer can afford to spend on a home is less than the county median home value, or rent that exceeds 3 percent of a 3,5 3, 2,5 2, 1,5 1, % 11.7% 14.% 17.% 31

33 Clarion County Percent of Total Less than $1, 13.% 9.8% $1, to $24, % 21.7% $25, to $49, % 28.8% $5, to $99, % 3.6% $1, to $199, % 7.7% $2, or more.7% 1.2% Year Owner- Year Housing per 2 16,52 11,599 4, % ,128 11,22 5, % Bedroom % of Gross Rent to 2 $17,169 $ % $2,886 $ % Home 2 $3,984 $68, $9, $4,28 $97,8 $144,946 by Select $23, % $64,243 $3, % $13,73 Police Officer $36, % $11,663 $53, % $27,723 Elementary School $44, % $139,186 $51, % $196,518 Retail Salesperson $13, % $29,743 $19, % $52,19 Red indicates the amount a homebuyer can afford to spend on a home is less than the county median home value, or rent that exceeds 3 percent of a % 17.6% 21.9% 26.4%

34 Clearfield County Percent of Total Less than $1, 11.3% 8.8% $1, to $24, % 25.2% $25, to $49, % 31.% $5, to $99, % 27.4% $1, to $199, % 6.6% $2, or more.7% 1.% Year Owner- Year Housing per 2 32,785 25,968 6, % ,288 24,825 7, % Bedroom % of Gross Rent to 2 $18,573 $ % $19,974 $ % Home 2 $31,47 $59,3 $92, $37,13 $82,9 $132,44 by Select $23, % $63,774 $31, % $17,265 Police Officer $38, % $118,27 $38, % $138,134 Elementary School $46, % $147,65 $48, % $183,878 Retail Salesperson $14, % $32,29 $2, % $56,56 Red indicates the amount a homebuyer can afford to spend on a home is less than the county median home value, or rent that exceeds 3 percent of a % 18.4% 23.3% 29.7%

35 Clinton County Percent of Total Less than $1, 12.2% 7.4% $1, to $24, % 24.3% $25, to $49, % 3.5% $5, to $99, % 3.% $1, to $199, % 7.3% $2, or more.7%.6% Year Owner- Year Housing per 2 14,773 1,775 3, % ,151 1,745 4,46 7.9% Bedroom % of Gross Rent to 2 $17,36 $ % $21,56 $ % Home 2 $3,89 $75,4 $88, $39,354 $98,4 $136,125 by Select $25, % $69,774 $32, % $15,645 Police Officer $4, % $121,216 $39, % $135,132 Elementary School $46, % $144,315 $48, % $176,91 Retail Salesperson $13, % $27,534 $18,4 38.3% $41,532 Red indicates the amount a homebuyer can afford to spend on a home is less than the county median home value, or rent that exceeds 3 percent of a % 18.% 21.4% 26.1%

36 Columbia County Percent of Total Less than $1, 1.5% 8.6% $1, to $24, % 19.3% $25, to $49, % 3.4% $5, to $99, % 3.4% $1, to $199, % 9.8% $2, or more 1.% 1.5% Year Owner- Year Housing per 2 24,915 18,3 6, % ,479 18,387 8, % Bedroom % of Gross Rent to 2 $2,762 $ % $25,342 $ % Home 2 $33,944 $85,8 $95, $42,788 $118,8 $15,2 by Select $26,5 21.9% $68,657 $35, % $115,535 Police Officer $4, % $117,27 $42, % $149,714 Elementary School $46, % $14,36 $47, % $172,8 Retail Salesperson $15, % $28,7 $2, % $5,19 Red indicates the amount a homebuyer can afford to spend on a home is less than the county median home value, or rent that exceeds 3 percent of a % 16.3% 19.3% 21.7%

37 Crawford County Percent of Total Less than $1, 1.1% 8.% $1, to $24, % 22.8% $25, to $49, % 31.3% $5, to $99, % 27.9% $1, to $199, % 8.8% $2, or more.9% 1.1% Year Owner- Year Housing per 2 34,678 26,19 8, % ,28 25,816 9, % Bedroom % of Gross Rent to 2 $2,33 $ % $21,822 $ % Home 2 $33,688 $7,6 $96, $38,924 $97,9 $132,17 by Select $25,18 2.5% $66,366 $33, % $17,3 Police Officer $22, % $56,551 $49, % $181,97 Elementary School $44, % $135,749 $5, % $183,458 Retail Salesperson $13, % $24,993 $2, % $48,637 Red indicates the amount a homebuyer can afford to spend on a home is less than the county median home value, or rent that exceeds 3 percent of a % 16.8% 22.% 26.6%

38 Cumberland County Percent of Total Less than $1, 5.7% 4.1% $1, to $24, % 12.8% $25, to $49, % 25.1% $5, to $99, % 35.5% $1, to $199,999 1.% 19.1% $2, or more 2.% 3.4% Year Owner- Year Housing per 2 83,15 6,645 22, % ,943 67,66 26, % Bedroom % of Gross Rent to 2 $29,532 $ % $37,68 $ % Home 2 $46,628 $116,5 $135, $6,219 $174,6 $214,246 by Select $29, % $75,261 $4, % $123,923 Police Officer $45, % $131,425 $49, % $167,757 Elementary School $38, % $16,973 $5, % $17,71 Retail Salesperson $15, % $25,122 $2,1 44.7% $32,729 Red indicates the amount a homebuyer can afford to spend on a home is less than the county median home value, or rent that exceeds 3 percent of a % 14.9% 17.7% 2.1% 37

39 Dauphin County Percent of Total Less than $1, 7.9% 7.2% $1, to $24, % 14.8% $25, to $49, % 25.9% $5, to $99, % 33.4% $1, to $199,999 8.% 16.2% $2, or more 1.7% 2.7% Year Owner- Year Housing per 2 12,67 67,136 35, % ,435 71,491 38, % Bedroom % of Gross Rent to 2 $27,28 $ % $3,96 $ % Home 2 $41,496 $98,7 $118, $52,371 $153,1 $175,26 by Select $3, % $77,788 $4, % $122,131 Police Officer $52, % $159,292 $53, % $18,19 Elementary School $44, % $128,146 $49, % $163,383 Retail Salesperson $15, % $27,398 $2, % $29,37 Red indicates the amount a homebuyer can afford to spend on a home is less than the county median home value, or rent that exceeds 3 percent of a % 14.4% 18.6% 22.9%

40 Delaware County Percent of Total Less than $1, 7.% 5.6% $1, to $24, % 12.8% $25, to $49, % 22.5% $5, to $99, % 31.% $1, to $199, % 22.% $2, or more 3.3% 6.2% Year Owner- Year Housing per 2 26,32 148,384 57, % , ,7 147,212 61, % , Bedroom % of Gross Rent to 2 $3,319 $ % $33,831 $ % Home 2 $49,742 $127, $129, $61,876 $232,3 $181,278 by Select $35, % $76,825 $47, % $116,298 Police Officer $51, % $137,31 $57, % $162,552 Elementary School $49, % $128,544 $53, % $141,976 Retail Salesperson $16, % $9,57 $21, % $* *No affordable home at this income. Red indicates the amount a homebuyer can afford to spend on a home is less than the county median home value, or rent that exceeds 3 percent of a % 14.6% 17.5% 21.5%

41 Elk County Percent of Total Less than $1, 6.9% 6.5% $1, to $24, % 18.5% $25, to $49, % 33.8% $5, to $99, % 31.3% $1, to $199, % 8.8% $2, or more.5% 1.2% Year Owner- Year Housing per 2 14,124 11,217 2, % ,693 1,75 2, % Bedroom % of Gross Rent to 2 $21,488 $ % $25,435 $ % Home 2 $37,769 $77,4 $112, $43,745 $91,3 $157,934 by Select $23, % $6,975 $33, % $11,127 Police Officer $38, % $114,59 $5, % $187,62 Elementary School $46, % $142,916 $44,5 14.7% $159,311 Retail Salesperson $14, % $29,231 $16, % $36,796 Red indicates the amount a homebuyer can afford to spend on a home is less than the county median home value, or rent that exceeds 3 percent of a % 18.1% 22.7% 29.8%

42 Erie County Percent of Total Less than $1, 1.1% 9.% $1, to $24, % 19.5% $25, to $49, % 27.2% $5, to $99, % 31.% $1, to $199, % 11.5% $2, or more 1.2% 1.8% Year Owner- Year Housing per 2 16,57 73,729 32, % ,413 73,847 36, % Bedroom % of Gross Rent to 2 $21,72 $ % $22,87 $ % Home 2 $36,578 $82,5 $12, $43,595 $111,3 $145,339 by Select $27, % $69,48 $36,7 2.3% $114,213 Police Officer $41, % $121,134 $56, % $24,689 Elementary School $42,6 12.5% $123,711 $44, % $148,115 Retail Salesperson $15,67 34.% $27,312 $18, % $33,921 Red indicates the amount a homebuyer can afford to spend on a home is less than the county median home value, or rent that exceeds 3 percent of a % 14.3% 17.9% 21.7% 41

43 Fayette County Percent of Total Less than $1, 16.6% 9.7% $1, to $24, % 27.5% $25, to $49, % 27.7% $5, to $99, % 26.7% $1, to $199, % 7.6% $2, or more.7%.8% Year Owner- Year Housing per 2 59,969 43,876 16, % ,997 4,247 15, % Bedroom % of Gross Rent to 2 $16,242 $ % $19,19 $ % Home 2 $27,582 $6,6 $81, $34,796 $82,5 $123,133 by Select $29, % $88,914 $34, % $121,955 Police Officer $39, % $124,842 $57,29 15.% $223,5 Elementary School $46, % $148,418 $5, % $195,8 Retail Salesperson $14, % $36,36 $19, % $51,937 Red indicates the amount a homebuyer can afford to spend on a home is less than the county median home value, or rent that exceeds 3 percent of a % 17.9% 24.% 3.9%

44 Forest County Percent of Total Less than $1, 13.4% 8.8% $1, to $24, % 27.3% $25, to $49, % 32.7% $5, to $99, % 25.8% $1, to $199, % 5.1% $2, or more.2%.3% Year Owner- Year Housing per 2 2, 1, % ,511 2, % Bedroom % of Gross Rent to 2 $15,938 $ % $17,371 $ % Home 2 $27,284 $59,6 $78, $35,15 $79,7 $128,523 by Select $26, % $75,676 $34, % $127,286 Police Officer $36, % $111,379 $53, % $213,321 Elementary School $44, % $139,92 $47, % $182,176 Retail Salesperson $16, % $38,792 $18, % $54,678 Red indicates the amount a homebuyer can afford to spend on a home is less than the county median home value, or rent that exceeds 3 percent of a % 15.7% 12.2% 9.5%

45 Franklin County Percent of Total Less than $1, 7.3% 4.6% $1, to $24, % 15.9% $25, to $49, % 28.3% $5, to $99, % 35.5% $1, to $199, % 13.5% $2, or more 1.% 2.% Year Owner- Year Housing per 2 5,633 37,458 13, % ,389 42,883 15, % Bedroom % of Gross Rent to 2 $27,139 $ % $32,872 $ % Home 2 $4,379 $95,1 $116, $51,35 $175, $176,398 by Select $29, % $78,83 $37, % $116,452 Police Officer $47, % $143,22 $51, % $177,54 Elementary School $42, % $124,653 $51, % $18,27 Retail Salesperson $16, % $29,847 $2, % $37,623 Red indicates the amount a homebuyer can afford to spend on a home is less than the county median home value, or rent that exceeds 3 percent of a % 17.3% 21.6% 25.6%

46 Fulton County Percent of Total Less than $1, 1.2% 6.7% $1, to $24, % 19.7% $25, to $49, % 28.4% $5, to $99, % 33.7% $1, to $199,999 3.% 1.4% $2, or more.5% 1.1% Year Owner- Year Housing per 2 5,66 4,462 1, % ,14 4,617 1, % Bedroom % of Gross Rent to 2 $22,482 $ % $28,38 $ % Home 2 $35,6 $82,2 $12, $45,24 $157,5 $153,849 by Select $23, % $62,49 $31, % $93,262 Police Officer $4, % $121,925 $32, % $97,9 Elementary School $48, % $151,124 $45, % $157,9 Retail Salesperson $15, % $31,239 $24, % $6,74 Red indicates the amount a homebuyer can afford to spend on a home is less than the county median home value, or rent that exceeds 3 percent of a % 17.7% 19.4% 21.5%

47 Greene County Percent of Total Less than $1, 13.7% 9.3% $1, to $24, % 22.6% $25, to $49, % 27.% $5, to $99, % 29.3% $1, to $199, % 1.6% $2, or more.5% 1.3% Year Owner- Year Housing per 2 15,6 11,159 3, % ,724 1,681 4, % Bedroom % of Gross Rent to 2 $16,23 $ % $2,613 $ % Home 2 $3,235 $55,8 $88, $4,498 $81,8 $144,54 by Select $26, % $74,334 $35, % $12,199 Police Officer $27, % $79,514 $43, % $157,596 Elementary School $45, % $143,481 $52, % $197,493 Retail Salesperson $13, % $28,472 $21, % $58,23 Red indicates the amount a homebuyer can afford to spend on a home is less than the county median home value, or rent that exceeds 3 percent of a % 15.7% 22.1% 27.9%

48 Huntingdon County Percent of Total Less than $1, 11.1% 7.8% $1, to $24, % 2.8% $25, to $49, % 3.3% $5, to $99, % 31.8% $1, to $199, % 8.2% $2, or more.6% 1.2% Year Owner- Year Housing per 2 16,759 12,988 3, % ,28 13,136 4, % Bedroom % of Gross Rent to 2 $21,91 $ % $23,233 $ % Home 2 $33,274 $71,8 $97, $41,7 $15,8 $151,953 by Select $2, % $52,76 $3, % $11,776 Police Officer $4, % $122,927 $32, % $111,175 Elementary School $48, % $152,126 $47, % $179,594 Retail Salesperson $15, % $33,763 $17, % $44,331 Red indicates the amount a homebuyer can afford to spend on a home is less than the county median home value, or rent that exceeds 3 percent of a % 15.5% 19.% 22.7%

49 Indiana County Percent of Total Less than $1, 13.7% 9.8% $1, to $24, % 21.6% $25, to $49, % 28.5% $5, to $99, % 29.8% $1, to $199, % 9.% $2, or more.7% 1.3% Year Owner- Year Housing per 2 34,123 24,473 9, % ,5 24,82 1, % Bedroom % of Gross Rent to 2 $16,627 $ % $19,23 $ % Home 2 $3,214 $68,3 $84, $4,225 $98,2 $14,57 by Select $22, % $57,127 $33,55 2.9% $17,69 Police Officer $4, % $122,591 $48, % $175,287 Elementary School $43, % $133,44 $55, % $29,899 Retail Salesperson $14, % $26,743 $18, % $42,579 Red indicates the amount a homebuyer can afford to spend on a home is less than the county median home value, or rent that exceeds 3 percent of a % 16.8% 23.5% 31.%

50 Jefferson County Percent of Total Less than $1, 1.8% 7.7% $1, to $24, % 24.8% $25, to $49, % 31.5% $5, to $99, % 28.% $1, to $199, % 6.8% $2, or more.7% 1.2% Year Owner- Year Housing per 2 18,375 14,168 4, % ,561 13,96 4, % Bedroom % of Gross Rent to 2 $17,275 $ % $19,457 $ % Home 2 $31,575 $59,6 $93, $38,46 $8,1 $139,791 by Select $23, % $63,692 $29, % $11,627 Police Officer $34, % $14,997 $42, % $159,97 Elementary School $46, % $146,352 $42, % $158,81 Retail Salesperson $17, % $44,58 $18, % $49,82 Red indicates the amount a homebuyer can afford to spend on a home is less than the county median home value, or rent that exceeds 3 percent of a % 17.9% 21.6% 27.%

51 Juniata County Percent of Total Less than $1, 8.6% 5.4% $1, to $24, % 18.6% $25, to $49, % 32.1% $5, to $99, % 33.5% $1, to $199, % 9.8% $2, or more.8%.6% Year Owner- Year Housing per 2 8,584 6,67 1, % ,476 7,213 2, % Bedroom % of Gross Rent to 2 $25,694 $ % $28,691 $ % Home 2 $34,82 $86,9 $11, $44,276 $127,2 $156,359 by Select $29, % $81,339 $34, % $111,4 Police Officer $47, % $148,7 $51, % $187,228 Elementary School $42, % $129,521 $52, % $193,191 Retail Salesperson $13, % $25,469 $21, % $52,479 Red indicates the amount a homebuyer can afford to spend on a home is less than the county median home value, or rent that exceeds 3 percent of a % 16.4% 2.3% 24.9% 5

52 Lackawanna County Percent of Total Less than $1, 11.6% 7.8% $1, to $24, % 2.8% $25, to $49, % 26.9% $5, to $99, % 3.% $1, to $199, % 12.1% $2, or more 1.3% 2.4% Year Owner- Year Housing per 2 86,218 58,243 27, % ,226 57,353 29, % Bedroom % of Gross Rent to 2 $2,846 $ % $25,497 $ % Home 2 $34,386 $91,1 $93, $43,673 $137,1 $142,26 by Select $27, % $68,252 $37, % $114,628 Police Officer $35, % $98,529 $33, % $95,131 Elementary School $37, % $14,739 $51, % $177,544 Retail Salesperson $15, % $24,853 $2, % $37,54 Red indicates the amount a homebuyer can afford to spend on a home is less than the county median home value, or rent that exceeds 3 percent of a % 18.5% 21.8% 25.5%

53 Lancaster County Percent of Total Less than $1, 5.8% 4.8% $1, to $24, % 14.4% $25, to $49, % 25.8% $5, to $99, % 36.6% $1, to $199, % 15.5% $2, or more 1.5% 2.9% Year Owner- Year Housing per 2 172,56 122,28 5, % ,62 132,73 6, % Bedroom % of Gross Rent to 2 $29,748 $ % $33,499 $ % Home 2 $45,464 $118,3 $127, $54,765 $184,4 $178,971 by Select $29,1 23.9% $69,373 $38, % $16,259 Police Officer $45,7 15.2% $128,794 $57,7 15.1% $192,221 Elementary School $43,39 16.% $12,525 $54, % $176,818 Retail Salesperson $16, % $23,411 $2, % $24,323 Red indicates the amount a homebuyer can afford to spend on a home is less than the county median home value, or rent that exceeds 3 percent of a 2,5 2, 14.% 14.4% 17.7% 21.4% 1,5 1, 5 52

54 Lawrence County Percent of Total Less than $1, 11.7% 7.3% $1, to $24, % 22.1% $25, to $49, % 29.4% $5, to $99, % 3.1% $1, to $199, % 9.9% $2, or more.7% 1.3% Year Owner- Year Housing per 2 37,91 28,673 8, % ,126 27,967 9, % Bedroom % of Gross Rent to 2 $17,118 $ % $22,461 $ % Home 2 $33,147 $71,1 $95, $42,57 $92,6 $151,546 by Select $27, % $74,345 $31, % $13,74 Police Officer $34, % $11,625 $54, % $27,569 Elementary School $47, % $145,926 $54, % $25,59 Retail Salesperson $13, % $24,925 $19, % $47,378 Red indicates the amount a homebuyer can afford to spend on a home is less than the county median home value, or rent that exceeds 3 percent of a % 18.7% 22.6% 27.%

55 Lebanon County Percent of Total Less than $1, 6.7% 5.1% $1, to $24, % 15.4% $25, to $49, % 26.9% $5, to $99, % 36.5% $1, to $199, % 14.% $2, or more 1.1% 2.1% Year Owner- Year Housing per 2 46,551 33,856 12, % ,258 37,622 14, % Bedroom % of Gross Rent to 2 $25,79 $ % $28,97 $ % Home 2 $4,738 $99,2 $116, $52,356 $155,9 $181,458 by Select $3, % $79,979 $38, % $12,244 Police Officer $42, % $122,93 $5, % $171,771 Elementary School $48, % $145,121 $5, % $174,362 Retail Salesperson $14, % $24,671 $22, % $46,94 Red indicates the amount a homebuyer can afford to spend on a home is less than the county median home value, or rent that exceeds 3 percent of a % 17.4% 21.5% 25.7%

56 Lehigh County Percent of Total Less than $1, 7.4% 6.% $1, to $24, % 15.9% $25, to $49, % 25.% $5, to $99, % 32.% $1, to $199, % 17.4% $2, or more 1.8% 3.7% Year Owner- Year Housing per 2 121,96 83,849 38, % ,983 9,846 43, % Bedroom % of Gross Rent to 2 $26,41 $ % $3,153 $ % Home 2 $43,413 $112,1 $119, $53,541 $23,2 $164,778 by Select $32, % $81,289 $39, % $12,688 Police Officer $41, % $11,642 $51, % $153,93 Elementary School $44, % $122,852 $51, % $156,381 Retail Salesperson $15, % $2,644 $22,21 44.% $23,299 Red indicates the amount a homebuyer can afford to spend on a home is less than the county median home value, or rent that exceeds 3 percent of a 2, 1,5 15.8% 15.9% 19.5% 23.7% 1, 5 55

57 Luzerne County Percent of Total Less than $1, 11.9% 8.2% $1, to $24, % 21.8% $25, to $49, % 27.3% $5, to $99, % 3.3% $1, to $199, % 1.6% $2, or more 1.% 1.8% Year Owner- Year Housing per 2 13,687 91,914 38, % ,932 89,742 42,19 68.% Bedroom % of Gross Rent to 2 $2,63 $ % $23,473 $ % Home 2 $33,616 $83,5 $94, $42,224 $113,3 $145,19 by Select $27, % $73,33 $37,475 2.% $123,67 Police Officer $21, % $5,179 $39, % $133,53 Elementary School $52, % $162,593 $47, % $17,71 Retail Salesperson $15, % $3,795 $19, % $44,76 Red indicates the amount a homebuyer can afford to spend on a home is less than the county median home value, or rent that exceeds 3 percent of a % 18.8% 22.1% 26.3%

58 Lycoming County Percent of Total Less than $1, 1.1% 8.3% $1, to $24, % 2.8% $25, to $49, % 28.9% $5, to $99, % 31.% $1, to $199, % 9.7% $2, or more 1.% 1.4% Year Owner- Year Housing per 2 47,3 32,636 14, % ,7 31,821 14, % Bedroom % of Gross Rent to 2 $21,348 $ % $22,85 $ % Home 2 $34,44 $84,7 $94, $42,689 $119,2 $143,235 by Select $25,83 2.6% $65,256 $35, % $112,949 Police Officer $34, % $97,58 $53,15 13.% $19,46 Elementary School $42, % $124,248 $51, % $182,777 Retail Salesperson $15,23 35.% $27,312 $19, % $38,634 Red indicates the amount a homebuyer can afford to spend on a home is less than the county median home value, or rent that exceeds 3 percent of a % 16.6% 21.% 25.8%

59 McKean County Percent of Total Less than $1, 1.9% 7.6% $1, to $24, % 21.9% $25, to $49, % 31.6% $5, to $99, % 3.6% $1, to $199, % 7.1% $2, or more.7% 1.1% Year Owner- Year Housing per 2 18,24 13,462 4, % ,183 12,64 4, % Bedroom % of Gross Rent to 2 $18,81 $ % $2,464 $ % Home 2 $33,177 $54,2 $97, $4,97 $72,3 $146,161 by Select $23, % $63,123 $31, % $19,89 Police Officer $38, % $116,738 $45, % $169,157 Elementary School $46, % $145,63 $46, % $175,63 Retail Salesperson $14, % $32,7 $18, % $47,48 Red indicates the amount a homebuyer can afford to spend on a home is less than the county median home value, or rent that exceeds 3 percent of a % 16.7% 19.6% 24.2%

60 Mercer County Percent of Total Less than $1, 9.6% 7.5% $1, to $24, % 2.6% $25, to $49, % 28.9% $5, to $99, % 32.2% $1, to $199, % 9.4% $2, or more 1.1% 1.5% Year Owner- Year Housing per 2 46,712 35,646 11, % ,442 33,938 12, % Bedroom % of Gross Rent to 2 $2,571 $ % $22,863 $ % Home 2 $34,619 $75,1 $11, $42,573 $11,7 $149,393 by Select $25,9 2.5% $7,518 $33, % $19,78 Police Officer $33, % $98,976 $46, % $167,784 Elementary School $42, % $129,617 $48, % $174,967 Retail Salesperson $14, % $3,14 $18, % $41,55 Red indicates the amount a homebuyer can afford to spend on a home is less than the county median home value, or rent that exceeds 3 percent of a % 17.3% 19.9% 22.9%

61 Mifflin County Percent of Total Less than $1, 13.2% 7.% $1, to $24, % 24.9% $25, to $49, % 32.3% $5, to $99, % 29.4% $1, to $199, % 5.7% $2, or more.6%.7% Year Owner- Year Housing per 2 18,413 13,631 4, % ,743 13,613 5, % Bedroom % of Gross Rent to 2 $18,453 $ % $23,376 $ % Home 2 $31,867 $72,3 $92, $37,539 $92,5 $129,557 by Select $25,17 2.7% $67,644 $36, % $124,375 Police Officer $4, % $121,52 $45, % $166,597 Elementary School $46, % $144,62 $51, % $192,934 Retail Salesperson $14, % $28,655 $19, % $47,581 Red indicates the amount a homebuyer can afford to spend on a home is less than the county median home value, or rent that exceeds 3 percent of a % 17.7% 2.8% 24.4% 1 5 6

62 Monroe County Percent of Total Less than $1, 6.6% 5.% $1, to $24, % 14.2% $25, to $49, % 24.5% $5, to $99, % 35.1% $1, to $199, % 19.% $2, or more 1.2% 2.% Year Owner- Year Housing per 2 49,454 38,734 1, % ,91 48,17 13, % Bedroom % of Gross Rent to 2 $29,54 $ % $34,36 $ % Home 2 $46,341 $123,9 $124, $56,733 $26,4 $17,34 by Select $25, % $48,511 $32, % $6,72 Police Officer $44, % $118,671 $52, % $15,589 Elementary School $42, % $19,794 $53, % $154,955 Retail Salesperson $14, % $1,266 $2, % $8,194 Red indicates the amount a homebuyer can afford to spend on a home is less than the county median home value, or rent that exceeds 3 percent of a 2, 1,5 12.3% 12.7% 16.4% 2.6% 1, 5 61

63 Montgomery County Percent of Total Less than $1, 4.3% 3.6% $1, to $24, % 9.7% $25, to $49, % 18.7% $5, to $99, % 31.8% $1, to $199, % 26.9% $2, or more 5.4% 9.4% Year Owner- Year Housing per 2 286,98 21,233 75, % ,75 225,1 82, % Bedroom % of Gross Rent to 2 $37,946 $ % $42,763 $ % Home 2 $6,617 $158,9 $164, $76,38 $297,2 $238,447 by Select $36, % $78,59 $47, % $19,911 Police Officer $49, % $125,816 $63, % $178,831 Elementary School $59, % $16,95 $5, % $122,758 Retail Salesperson $17, % $9,529 $22, % $* *No affordable home at this income. Red indicates the amount a homebuyer can afford to spend on a home is less than the county median home value, or rent that exceeds 3 percent of a 3, 2,5 14.9% 14.6% 17.1% 2.7% 2, 1,5 1, 5 62

64 Montour County Percent of Total Less than $1, 7.4% 5.1% $1, to $24, % 2.5% $25, to $49, % 28.3% $5, to $99, % 3.8% $1, to $199, % 11.% $2, or more 1.5% 4.1% Year Owner- Year Housing per 2 7,85 5,171 1, % ,393 5,313 2,8 71.9% Bedroom % of Gross Rent to 2 $24,524 $ % $29,72 $ % Home 2 $37,747 $91,5 $112, $45,255 $143,9 $157,347 by Select $26, % $73,64 $37, % $123,643 Police Officer $4, % $121,73 $48, % $17,525 Elementary School $46, % $144,172 $49, % $177,228 Retail Salesperson $14, % $29,321 $23, % $59,81 Red indicates the amount a homebuyer can afford to spend on a home is less than the county median home value, or rent that exceeds 3 percent of a % 19.% 25.3% 32.4%

65 Northampton County Percent of Total Less than $1, 7.2% 4.7% $1, to $24, % 14.4% $25, to $49, % 23.3% $5, to $99, % 34.6% $1, to $199, % 19.6% $2, or more 1.4% 3.4% Year Owner- Year Housing per 2 11,541 74,464 27, % ,565 82,719 3, % Bedroom % of Gross Rent to 2 $26,456 $ % $31,56 $ % Home 2 $44,993 $118,8 $121, $58,762 $22,8 $181,124 by Select $35,83 2.2% $89,71 $39, % $95,65 Police Officer $33, % $8,559 $48,947 2.% $136,816 Elementary School $49, % $137,851 $52,7 18.8% $15,914 Retail Salesperson $17, % $24,3 $21, % $14,753 Red indicates the amount a homebuyer can afford to spend on a home is less than the county median home value, or rent that exceeds 3 percent of a 2, 1,5 15.7% 14.9% 18.2% 21.6% 1, 5 64

66 Northumberland County Percent of Total Less than $1, 11.8% 8.1% $1, to $24, % 24.% $25, to $49, % 3.3% $5, to $99, % 28.9% $1, to $199, % 7.7% $2, or more.7% 1.% Year Owner- Year Housing per 2 38,835 28,561 1, % ,242 28,413 1, % Bedroom % of Gross Rent to 2 $18,867 $ % $21,29 $ % Home 2 $31,243 $7, $91, $38,387 $93,5 $138,622 by Select $23, % $62,81 $35, % $126,9 Police Officer $36, % $111,63 $47, % $177,653 Elementary School $46, % $146,177 $45, % $169,924 Retail Salesperson $2, % $54,743 $21, % $63,133 Red indicates the amount a homebuyer can afford to spend on a home is less than the county median home value, or rent that exceeds 3 percent of a % 18.8% 22.9% 27.6%

67 Perry County Percent of Total Less than $1, 6.5% 3.9% $1, to $24, % 13.8% $25, to $49, % 29.2% $5, to $99, % 38.9% $1, to $199, % 13.4% $2, or more.7%.9% Year Owner- Year Housing per 2 16,695 13,326 3, % ,93 14,21 3, % Bedroom % of Gross Rent to 2 $26,631 $ % $33,65 $ % Home 2 $41,817 $95, $121, $52,659 $144,8 $185,715 by Select $29, % $76,757 $39, % $126,122 Police Officer $47, % $143,488 $48, % $168,64 Elementary School $42, % $124,939 $5, % $175,82 Retail Salesperson $2, % $44,652 $23, % $55,58 Red indicates the amount a homebuyer can afford to spend on a home is less than the county median home value, or rent that exceeds 3 percent of a % 14.5% 2.8% 25.7%

68 Philadelphia County Percent of Total Less than $1, 18.5% 15.2% $1, to $24, % 21.6% $25, to $49, % 25.7% $5, to $99, % 25.5% $1, to $199, % 1.% $2, or more 1.% 1.9% Year Owner- Year Housing per 2 59,71 349,633 24, % , , , ,2 54.1% , Bedroom % of Gross Rent to 2 $21,365 $ % $25,373 $ % Home 2 $3,431 $61, $84, $36,251 $135,2 $117,422 by Select $35, % $13,121 $46, % $164,336 Police Officer $46,5 19.2% $14,213 $57, % $215,27 Elementary School $49, % $152,455 $42, % $147,262 Retail Salesperson $15, % $32,395 $21,12 55.% $49,35 Red indicates the amount a homebuyer can afford to spend on a home is less than the county median home value, or rent that exceeds 3 percent of a % 13.4% 15.3% 17.6%

69 Pike County Percent of Total Less than $1, 5.8% 4.6% $1, to $24, % 13.5% $25, to $49, % 24.7% $5, to $99, % 39.5% $1, to $199, % 14.8% $2, or more 1.1% 3.1% Year Owner- Year Housing per 2 17,433 14,775 2, % ,925 18,811 3, % Bedroom % of Gross Rent to 2 $3,174 $ % $28,431 $ % Home 2 $44,47 $117,5 $125, $56,843 $217,9 $177,698 by Select $25, % $57,388 $4, % $14,841 Police Officer $44, % $127,548 $57, % $18,425 Elementary School $43, % $123,586 $56, % $175,292 Retail Salesperson $17,619 5.% $3,79 $21, % $19,926 Red indicates the amount a homebuyer can afford to spend on a home is less than the county median home value, or rent that exceeds 3 percent of a % 17.% 21.5% 27.2%

70 Potter County Percent of Total Less than $1, 1.4% 6.9% $1, to $24, % 25.2% $25, to $49, % 29.2% $5, to $99, % 3.% $1, to $199, % 7.3% $2, or more.7% 1.5% Year Owner- Year Housing per 2 7,5 5,418 1, % ,227 5,524 1, % Bedroom % of Gross Rent to 2 $21,444 $ % $21,782 $ % Home 2 $32,179 $7,5 $92, $39,196 $89,6 $138,843 by Select $23, % $61,548 $31, % $15,356 Police Officer $38, % $115,163 $45, % $166,213 Elementary School $46, % $143,488 $47,5 13.8% $174,96 Retail Salesperson $14, % $29,575 $24, % $7,446 Red indicates the amount a homebuyer can afford to spend on a home is less than the county median home value, or rent that exceeds 3 percent of a % 18.5% 23.6% 28.7%

71 Schuylkill County Percent of Total Less than $1, 11.3% 7.2% $1, to $24, % 22.% $25, to $49, % 29.% $5, to $99, % 31.2% $1, to $199, % 9.9% $2, or more.9%.7% Year Owner- Year Housing per 2 6,53 47,198 13, % ,192 45,496 14, % Bedroom % of Gross Rent to 2 $19,372 $ % $22,876 $ % Home 2 $32,58 $63,9 $95, $42,315 $88,4 $151,298 by Select $26, % $72,798 $36, % $125,363 Police Officer $26,49 2.4% $73,629 $47, % $172,714 Elementary School $46, % $146,191 $46, % $169,482 Retail Salesperson $14, % $31,969 $22, % $61,35 Red indicates the amount a homebuyer can afford to spend on a home is less than the county median home value, or rent that exceeds 3 percent of a % 17.4% 19.7% 23.8%

72 Snyder County Percent of Total Less than $1, 8.8% 6.% $1, to $24, % 17.6% $25, to $49, % 32.8% $5, to $99, % 31.3% $1, to $199,999 4.% 11.% $2, or more 1.3% 1.5% Year Owner- Year Housing per 2 13,654 1,443 3, % ,75 1,947 3, % Bedroom % of Gross Rent to 2 $23,7 $ % $28,272 $ % Home 2 $35,996 $87,8 $15, $44,713 $122,9 $158,512 by Select $25, % $68,771 $38, % $132,279 Police Officer $4, % $12,214 $49, % $181,675 Elementary School $46, % $143,313 $49, % $18,84 Retail Salesperson $16, % $34,697 $18, % $38,561 Red indicates the amount a homebuyer can afford to spend on a home is less than the county median home value, or rent that exceeds 3 percent of a % 15.3% 18.5% 22.4%

73 Somerset County Percent of Total Less than $1, 11.2% 7.8% $1, to $24, % 23.8% $25, to $49, % 3.4% $5, to $99, % 29.7% $1, to $199, % 7.2% $2, or more.7% 1.1% Year Owner- Year Housing per 2 31,222 24,379 6, % ,9 23,885 7, % Bedroom % of Gross Rent to 2 $18,924 $ % $21,595 $539 3.% Home 2 $3,715 $66,9 $91, $39,194 $92,2 $142,265 by Select $24, % $67,196 $3, % $13,261 Police Officer $28, % $84,471 $26, % $86,45 Elementary School $5, % $162,646 $48, % $182,33 Retail Salesperson $16, % $39,991 $19, % $54,867 Red indicates the amount a homebuyer can afford to spend on a home is less than the county median home value, or rent that exceeds 3 percent of a % 17.8% 21.5% 25.5%

74 Sullivan County Percent of Total Less than $1, 11.% 9.1% $1, to $24,999 3.% 24.3% $25, to $49, % 3.2% $5, to $99, % 29.% $1, to $199, % 6.7% $2, or more.6%.8% Year Owner- Year Housing per 2 2,66 2, % ,777 2, % Bedroom % of Gross Rent to 2 $2,741 $ % $21,563 $ % Home 2 $3, $8,8 $83, $36,25 $12,6 $122,293 by Select $26, % $69,659 $32, % $15,459 Police Officer $32, % $9,668 $36, % $124,763 Elementary School $41, % $124,87 $5, % $188,487 Retail Salesperson $13, % $23,976 $2, % $49,193 Red indicates the amount a homebuyer can afford to spend on a home is less than the county median home value, or rent that exceeds 3 percent of a % 2.4% 23.% 27.8%

75 Susquehanna County Percent of Total Less than $1, 1.1% 6.4% $1, to $24, % 19.3% $25, to $49, % 31.4% $5, to $99, % 3.8% $1, to $199, % 11.% $2, or more.7% 1.1% Year Owner- Year Housing per 2 16,529 13,145 3, % ,798 13,911 3, % Bedroom % of Gross Rent to 2 $2,765 $ % $26,277 $ % Home 2 $33,689 $84,5 $91, $43,457 $124,4 $144,716 by Select $24, % $59,858 $34, % $14,697 Police Officer $32, % $85,37 $36, % $114,651 Elementary School $41, % $118,789 $5, % $177,341 Retail Salesperson $13, % $17,866 $19, % $36,395 Red indicates the amount a homebuyer can afford to spend on a home is less than the county median home value, or rent that exceeds 3 percent of a % 15.5% 15.% 14.6%

76 Tioga County Percent of Total Less than $1, 1.8% 8.4% $1, to $24, % 22.4% $25, to $49, % 29.7% $5, to $99, % 3.8% $1, to $199, % 7.7% $2, or more.6% 1.1% Year Owner- Year Housing per 2 15,925 12,133 3, % ,727 12,478 4, % Bedroom % of Gross Rent to 2 $19,91 $ % $21,461 $ % Home 2 $31,928 $72,2 $9, $4,338 $15,7 $137,137 by Select $26, % $7,375 $32, % $12,426 Police Officer $32, % $91,384 $37, % $122,835 Elementary School $41, % $124,83 $48, % $171,883 Retail Salesperson $13,3 38.9% $24,27 $19,2 35.6% $4,819 Red indicates the amount a homebuyer can afford to spend on a home is less than the county median home value, or rent that exceeds 3 percent of a % 18.4% 22.8% 26.5%

77 Union County Percent of Total Less than $1, 9.4% 6.4% $1, to $24, % 18.1% $25, to $49, % 31.2% $5, to $99, % 29.5% $1, to $199, % 11.7% $2, or more 1.7% 3.2% Year Owner- Year Housing per 2 13,178 9,665 3, % ,765 1,492 4, % Bedroom % of Gross Rent to 2 $21,763 $ % $25,341 $ % Home 2 $4,248 $97,2 $12, $45,474 $143,2 $155,266 by Select $25, % $68,685 $37,19 2.1% $117,54 Police Officer $4,63 17.% $119,355 $42, % $142,396 Elementary School $46, % $142,454 $49, % $174,159 Retail Salesperson $16, % $34,246 $21, % $48,434 Red indicates the amount a homebuyer can afford to spend on a home is less than the county median home value, or rent that exceeds 3 percent of a % 12.8% 14.5% 17.3%

78 Venango County Percent of Total Less than $1, 11.6% 7.5% $1, to $24, % 22.3% $25, to $49, % 31.2% $5, to $99, % 31.% $1, to $199, % 7.1% $2, or more.7%.8% Year Owner- Year Housing per 2 22,747 17,386 5, % ,621 16,876 5, % Bedroom % of Gross Rent to 2 $18,193 $ % $21,933 $ % Home 2 $32,46 $55,8 $96, $39,812 $76,5 $143,791 by Select $25, % $72,759 $34, % $121,2 Police Officer $36, % $111,89 $5,2 12.9% $19,686 Elementary School $44, % $14,331 $41, % $151,199 Retail Salesperson $15, % $36,576 $2, % $54,651 Red indicates the amount a homebuyer can afford to spend on a home is less than the county median home value, or rent that exceeds 3 percent of a % 18.4% 24.2% 3.% 77

79 Warren County Percent of Total Less than $1, 7.9% 6.% $1, to $24, % 21.% $25, to $49, % 31.1% $5, to $99, % 32.6% $1, to $199, % 8.% $2, or more.8% 1.4% Year Owner- Year Housing per 2 17,696 13,845 3, % ,767 13,63 4, % Bedroom % of Gross Rent to 2 $21,848 $ % $24,977 $ % Home 2 $35,683 $62,8 $14, $41,286 $83,9 $147,14 by Select $28, % $77,387 $33, % $11,755 Police Officer $36, % $17,943 $5, % $188,343 Elementary School $44, % $136,465 $47, % $172,967 Retail Salesperson $2, % $48,654 $18, % $43,938 Red indicates the amount a homebuyer can afford to spend on a home is less than the county median home value, or rent that exceeds 3 percent of a % 19.% 24.4% 3.3% 78

80 Washington County Percent of Total Less than $1, 9.6% 6.5% $1, to $24, % 18.7% $25, to $49, % 25.% $5, to $99, % 32.7% $1, to $199, % 14.5% $2, or more 1.5% 2.6% Year Owner- Year Housing per 2 81,13 62,561 18, % ,89 64,541 2, % Bedroom % of Gross Rent to 2 $2,452 $ % $22,873 $ % Home 2 $37,437 $85,4 $18, $49,687 $13,3 $177,897 by Select $29, % $8,94 $37, % $121,49 Police Officer $27, % $74,73 $4, % $135,543 Elementary School $45, % $139,282 $5, % $18,271 Retail Salesperson $16, % $35,53 $19, % $4,53 Red indicates the amount a homebuyer can afford to spend on a home is less than the county median home value, or rent that exceeds 3 percent of a % 17.4% 2.9% 24.4%

81 Wayne County Percent of Total Less than $1, 1.1% 6.7% $1, to $24, % 18.9% $25, to $49, % 29.3% $5, to $99, % 32.6% $1, to $199, % 1.8% $2, or more 1.2% 1.8% Year Owner- Year Housing per 2 18,35 14,745 3,65 8.4% ,625 16,656 3, % Bedroom % of Gross Rent to 2 $21,21 $ % $25,978 $ % Home 2 $34,22 $13,9 $91, $45,93 $173,6 $148,296 by Select $25, % $58,677 $35, % $99,582 Police Officer $44, % $128,837 $49, % $163,13 Elementary School $44, % $126,578 $54, % $188,857 Retail Salesperson $17, % $3,445 $22, % $41,55 Red indicates the amount a homebuyer can afford to spend on a home is less than the county median home value, or rent that exceeds 3 percent of a % 15.7% 12.9% 1.9%

82 Westmoreland County Percent of Total Less than $1, 9.% 6.6% $1, to $24, % 19.5% $25, to $49, % 25.9% $5, to $99, % 32.% $1, to $199, % 14.% $2, or more 1.3% 2.% Year Owner- Year Housing per 2 149, ,849 32, % ,65 117,726 35, % Bedroom % of Gross Rent to 2 $21,847 $ % $23,926 $ % Home 2 $37,95 $87,6 $14, $47,689 $126,8 $164,363 by Select $28, % $73,672 $37, % $116,89 Police Officer $39, % $111,63 $58, % $212,318 Elementary School $46, % $138,627 $51, % $179,752 Retail Salesperson $16, % $29,775 $18, % $34,228 Red indicates the amount a homebuyer can afford to spend on a home is less than the county median home value, or rent that exceeds 3 percent of a % 18.% 21.5% 25.5%

83 Wyoming County Percent of Total Less than $1, 9.6% 5.7% $1, to $24, % 18.2% $25, to $49, % 28.9% $5, to $99, % 34.3% $1, to $199, % 11.9% $2, or more.6% 1.2% Year Owner- Year Housing per 2 1,762 8,492 2, % ,237 8,612 2, % Bedroom % of Gross Rent to 2 $23,281 $ % $29,592 $ % Home 2 $36,61 $91,6 $99, $47,43 $14,8 $156,932 by Select $26, % $62,643 $35, % $14,457 Police Officer $32, % $83,652 $35, % $15,216 Elementary School $41, % $117,71 $49, % $168,46 Retail Salesperson $13, % $17,71 $21, % $41,22 Red indicates the amount a homebuyer can afford to spend on a home is less than the county median home value, or rent that exceeds 3 percent of a % 15.9% 22.6% 28.1%

84 York County Percent of Total Less than $1, 6.% 4.8% $1, to $24, % 13.6% $25, to $49, % 24.2% $5, to $99, % 37.2% $1, to $199, % 17.8% $2, or more 1.3% 2.5% Year Owner- Year Housing per 2 148, ,852 35, % , ,173 41, % Bedroom % of Gross Rent to 2 $27,648 $ % $31,597 $ % Home 2 $45,193 $18,2 $13, $57,494 $175,5 $191,832 by Select $26, % $65,328 $38, % $17,992 Police Officer $41, % $119,22 $54, % $178,714 Elementary School $43,76 15.% $125,573 $57, % $19,388 Retail Salesperson $16,34 4.2% $27,42 $2, % $23,312 Red indicates the amount a homebuyer can afford to spend on a home is less than the county median home value, or rent that exceeds 3 percent of a 3,5 3, 2,5 2, 1,5 1, % 14.1% 18.1% 22.6% 83

85 Appendix A: HUD Four-Person Limits 84

86 Appendix A Four-Person Limits Based on Family (MFI) from the U.S. Department of Housing and Urban Development FY 2 FY 21 County MFI 3% MFI 5% MFI 8% MFI MFI 3% MFI 5% MFI 8% MFI Adams $46,6 $14, $23,3 $37,3 $65,5 $19,65 $32,75 $52,4 Allegheny $44,6 $13,4 $22,3 $35,7 $63, $18,9 $31,5 $5,4 Armstrong $33,1 $11,45 $19,1 $3,55 $51, $16,25 $27,5 $43,3 Beaver $44,6 $13,4 $22,3 $35,7 $63, $18,9 $31,5 $5,4 Bedford $35,7 $11,45 $19,1 $3,55 $48,3 $16,25 $27,5 $43,3 Berks $5,2 $15,5 $25,1 $4,15 $65,5 $19,65 $32,75 $52,4 Blair $38,3 $11,5 $19,15 $3,65 $53,2 $16,25 $27,5 $43,3 Bradford $36,7 $11,45 $19,1 $3,55 $5,9 $16,25 $27,5 $43,3 Bucks $57,8 $17,35 $28,9 $46,25 $78,3 $23,5 $39,15 $62,65 Butler $44,6 $13,4 $22,3 $35,7 $63, $18,9 $31,5 $5,4 Cambria $32,4 $11,45 $19,1 $3,55 $49,9 $16,25 $27,5 $43,3 Cameron $33, $11,45 $19,1 $3,55 $51,6 $16,25 $27,5 $43,3 Carbon $51, $15,3 $25,5 $4,8 $7, $21, $35, $56, Centre $44,2 $13,25 $22,1 $35,35 $66,3 $19,9 $33,15 $53,5 Chester $57,8 $17,35 $28,9 $46,25 $78,3 $23,5 $39,15 $62,65 Clarion $34,2 $11,45 $19,1 $3,55 $51, $16,25 $27,5 $43,3 Clearfield $33,4 $11,45 $19,1 $3,55 $48,1 $16,25 $27,5 $43,3 Clinton $36,1 $11,45 $19,1 $3,55 $49,5 $16,25 $27,5 $43,3 Columbia $42,2 $12,65 $21,1 $33,75 $53,2 $16,25 $27,5 $43,3 Crawford $36,5 $11,45 $19,1 $3,55 $5,7 $16,25 $27,5 $43,3 Cumberland $5,3 $15,1 $25,15 $4,25 $71, $21,3 $35,5 $56,8 Dauphin $5,3 $15,1 $25,15 $4,25 $71, $21,3 $35,5 $56,8 Delaware $57,8 $17,35 $28,9 $46,25 $78,3 $23,5 $39,15 $62,65 Elk $4,4 $12,1 $2,2 $32,3 $59,5 $17,85 $29,75 $47,6 Erie $41,7 $12,5 $2,85 $33,35 $57,1 $17,15 $28,55 $45,7 Fayette $44,6 $13,4 $22,3 $35,7 $63, $18,9 $31,5 $5,4 Forest $31, $11,45 $19,1 $3,55 $44,7 $16,25 $27,5 $43,3 Franklin $43,9 $12,6 $21, $33,6 $63,1 $18,95 $31,55 $5,5 Fulton $39,5 $11,85 $19,75 $31,6 $52,7 $16,25 $27,5 $43,3 Greene $33,2 $11,45 $19,1 $3,55 $48,9 $16,25 $27,5 $43,3 Huntingdon $39, $11,7 $19,5 $31,2 $52,1 $16,25 $27,5 $43,3 Indiana $34,7 $11,45 $19,1 $3,55 $51,1 $16,25 $27,5 $43,3 Jefferson $32,7 $11,45 $19,1 $3,55 $47,5 $16,25 $27,5 $43,3 Juniata $4,2 $12,5 $2,1 $32,15 $52,1 $16,25 $27,5 $43,3 Lackawanna $42,2 $12,65 $21,1 $33,75 $56,5 $16,95 $28,25 $45,2 Lancaster $49,5 $14,85 $24,75 $39,6 $66,7 $2, $33,35 $53,35 Lawrence $35,4 $11,45 $19,1 $3,55 $53,4 $16,25 $27,5 $43,3 Lebanon $5,3 $15,1 $25,15 $4,25 $64, $19,2 $32, $51,2 Lehigh $51, $15,3 $25,5 $4,8 $7, $21, $35, $56, Luzerne $42,2 $12,65 $21,1 $33,75 $56,5 $16,95 $28,25 $45,2 Lycoming $38,4 $11,5 $19,2 $3,7 $52,4 $16,25 $27,5 $43,3 McKean $38,8 $11,65 $19,4 $31,5 $51,3 $16,25 $27,5 $43,3 Mercer $37,6 $11,45 $19,1 $3,55 $53,8 $16,15 $26,9 $43,5 Mifflin $36,4 $11,45 $19,1 $3,55 $48,5 $16,25 $27,5 $43,3 Monroe $47,4 $14,2 $23,7 $37,9 $66,2 $19,85 $33,1 $52,95 85

87 FY 2 FY 21 County MFI 3% MFI 5% MFI 8% MFI MFI 3% MFI 5% MFI 8% MFI Montgomery $57,8 $17,35 $28,9 $46,25 $78,3 $23,5 $39,15 $62,65 Montour $46,9 $13,5 $21,75 $34,8 $59,1 $17,75 $29,55 $47,3 Northampton $51, $15,3 $25,5 $4,8 $7, $21, $35, $56, Northumberland $35, $11,45 $19,1 $3,55 $51, $16,25 $27,5 $43,3 Perry $5,3 $15,1 $25,15 $4,25 $71, $21,3 $35,5 $56,8 Philadelphia $57,8 $17,35 $28,9 $46,25 $78,3 $23,5 $39,15 $62,65 Pike $54,4 $16,3 $27,2 $43,5 $63,8 $19,45 $32,4 $51,85 Potter $37,5 $11,45 $19,1 $3,55 $49,7 $16,25 $27,5 $43,3 Schuylkill $4, $12, $2, $32, $54,1 $16,25 $27,5 $43,3 Snyder $4,8 $12,25 $2,4 $32,65 $53,7 $16,25 $27,5 $43,3 Somerset $32,4 $11,45 $19,1 $3,55 $48,5 $16,25 $27,5 $43,3 Sullivan $37,1 $11,45 $19,1 $3,55 $48,5 $16,25 $27,5 $43,3 Susquehanna $38,1 $11,45 $19,1 $3,55 $5,9 $16,25 $27,5 $43,3 Tioga $36,5 $11,45 $19,1 $3,55 $48,2 $16,25 $27,5 $43,3 Union $43,7 $13,1 $21,85 $34,95 $59,2 $17,75 $29,6 $47,35 Venango $34,4 $11,45 $19,1 $3,55 $5, $16,25 $27,5 $43,3 Warren $41,2 $12,35 $2,6 $32,95 $53,8 $16,25 $27,5 $43,3 Washington $44,6 $13,4 $22,3 $35,7 $63, $18,9 $31,5 $5,4 Wayne $36,3 $11,45 $19,1 $3,55 $53,3 $16,25 $27,5 $43,3 Westmoreland $44,6 $13,4 $22,3 $35,7 $63, $18,9 $31,5 $5,4 Wyoming $42,2 $12,65 $21,1 $33,75 $56,5 $16,95 $28,25 $45,2 York $49,9 $14,95 $24,95 $39,9 $68,7 $2,6 $34,35 $54,95 86

88 Report Availability If printed copies are absolutely necessary, they can be requested by calling the agency s Information Resources Division at Readers who print their own copy using the downloadable file are advised to print in color so the information on the maps and tables is clearly distinguishable. Additionally, questions about the report, its findings or its research methods may be directed to the Information Resources Division at the same phone number listed above. Questions also may be ed to: InformationResources@phfa.org. About PHFA The Pennsylvania Housing Finance Agency works to provide affordable homeownership and rental apartment options for older adults, low- and moderate-income families, and people with special housing needs. Through its carefully managed mortgage programs and investments in multifamily housing developments, PHFA also promotes economic development across the state. Since its creation by the legislature in 1972, it has generated $1.6 billion of funding for more than 148,233 single-family home mortgage loans and 83, rental units, while saving the homes of more than 45, families from foreclosure. PHFA programs and operations are funded primarily by the sale of securities, not by public tax dollars. PHFA is governed by a 14-member board. 87

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