Income needed to buy a home
Jefferson County, PA
$41,085
a year in household income to buy the typical Jefferson County home with 10% down.
The monthly math
Typical home value$122,710
Down payment (10%)$12,271
Loan$110,439
Principal and interest (7.40%)$765/mo
Property tax (0.85% a year)$87/mo
Homeowners insurance (estimate)$61/mo
Mortgage insurance$46/mo
Total monthly cost$959/mo
Income needed keeps housing at 28% of gross income, the lender rule of thumb.
What locals earn
Comfortable
The typical household here earns $58,686 a year, 43% more than it takes.
In Pennsylvania
Jefferson County ranks #4 of 67 for the income a home takes, from least to most.
Easiest to afford in Pennsylvania
| County | Typical home | Income needed |
|---|---|---|
| Cameron County | $85,806 | $30,148 |
| McKean County | $112,351 | $38,744 |
| Cambria County | $112,455 | $39,045 |
| Forest County | $135,032 | $45,114 |
| Venango County | $131,175 | $45,648 |
Typical home value from the Zillow Home Value Index, August 2026. Rate is the Freddie Mac 30-year average for Oct 8, 2026. Property tax rate is total taxes paid divided by total home value in the county (U.S. Census, ACS 2020-2024). How it works.