What income do you need to buy a house in Effort, PA?

It takes about $93,000/yr to afford the typical Effort, PA home ($317K, +0.8% past year) at today's rates. Starter homes run around $220K. See if you can afford a house in Effort (2026 data) — free, no signup.

Market snapshot (2026-07)

• Income needed to buy the typical home: about $93,000/yr (28% front-end ratio, 20% down, 6.76% 30-yr fixed, PA property tax and insurance)
• Typical home value: $317K (Zillow ZHVI, 2026-07)
• 1-year change: +0.8%
• Bottom 35% of homes: $220K
• Top 35% of homes start around: $398K
• Median household income: $111K
• Price-to-income ratio: 2.9
• Estimated payment on the typical home: $1,649/mo principal & interest (20% down, 6.76% 30-yr fixed)

Nearby housing markets

• Bangor, PA — typical home $331K
• Stroudsburg, PA — typical home $356K
• Palmerton, PA — typical home $261K
• East Stroudsburg, PA — typical home $315K
• Nazareth, PA — typical home $461K
• Lehighton, PA — typical home $287K

The most affordable cities to buy a house in Pennsylvania

Home values are Zillow Group public data (ZHVI, updated monthly); income and population are US Census Bureau ACS 5-year estimates. Estimates only — not financial advice.

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