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Mountain Top Real Estate Market Facts

  • $190,000Median home price
    13% higher than Pennsylvania
  • $511Median rent asked
    41% lower than Pennsylvania
  • 88.6%Home owners
    28% higher than Pennsylvania
  • 2.3People per home
    5% lower than Pennsylvania
Above is a snapshot look at the real estate market in Mountain Top, PA. In Mountain Top, PA, the median house price is $190,000, making the price 13% higher than that the average for Pennsylvania. Therefore, the affordability of Mountain Top, PA area real estate is less affordable than the real estate in other areas of Pennsylvania. In addition, Mountain Top, PA has a median rent price of $511; this price is 41% lower than that the average rental price for Pennsylvania. 88.6% of residents in Mountain Top, PA are homeowners, and the average amount of people who reside in each home is 2.3. Mountain Top, PA has a wide array of real estate options available, ranging from cost-friendly condos to high-end luxury homes. We filter listings by number of bathrooms and bedrooms, price and area to simplify the search process for Mountain Top, PA real estate for sale.

Mountain Top Home Affordability

  • $190,000Median home price
    13% higher than Pennsylvania
  • $73,285Median home income
    34% higher than Pennsylvania
  • 2.6xHome price to income ratio
    15% lower than Pennsylvania
When looking for real estate in Mountain Top, PA, nothing is more important than affordability. There are several methods to calculate the affordability of a home, but perhaps the best way is the home price to median household income ratio. In Mountain Top, PA, the median price of a home is $190,000 and $73,285 is the median household income. This means that the home price to income ratio is 2.6x, a ratio that is 15% lower than the average in Pennsylvania. The median home price is divided by the median home income to calculate the home affordability ratio. Homes in Mountain Top, PA will be more financially accessable if the ratio has a lower than average home price to home income. These are not the only aspects to look at when determining the affordability of a home. A home affordability calculator offers a much more exact overview of the true affordability of a property. Use the calculator below to better determine how much you can pay for real estate in Mountain Top, PA.

Mountain Top Affordability Calculator

Include PMI
You can afford a home up to:
Debt-to-income ratio
Monthly income breakdown
  • Monthly income
  • Monthly payment
  • Debt payment
  • Income taxes
  • Remainder
Before beginning your real estate search in Mountain Top, PA, you can target your search for the perfect home with the help of the home affordability calculator. Using the home affordability calculator you can figure out exactly how much you can spend on your new home in Mountain Top, PA. The home affordability calculator takes into account your gross income, debts, and the amount of the down payment that you have available to put towards your new home. The calculator even allows you to calculate financial details like length of mortgage term, mortgage rate, property taxes, and HOA dues to determine your budget. With such a detailed and customized estimate of what homes you can afford in Mountain Top, PA, this can prevent you from making an emotional investment in a home that is out of your price range. The home affordability calculator gives you the opportunity to accurately plan your total budget for housing, living expenses, and how much money you will have left to put aside for savings.

Mountain Top Mortgage Calculator

Your monthly payment will be:
Monthly payment breakdown
  • Monthly payment
  • Mortgage
  • PMI fees
  • Property tax
  • Home insurance
  • HOA dues
If I buy real estate in Mountain Top, PA, how much will I have to pay per month? A number of factors can affect the size of monthly payments involved in a home purchase. Naturally, the cost of the home is the main factor. Beyond the price, however, you will also have to look at the loan term, down payment, interest rate, home insurance and property taxes as well as HOA dues and PMI, or private mortgage insurance. Of course, for homeowners who can put at least 20 percent on a down payment, PMI payments would not exist. Details like these are presets in the mortgage calculator, and adjustments can be made to ensure the accuracy of monthly payment estimates. Just remember that the DTI, or debt-to-income ratio, should generally be kept at or below 36 percent. In other words, you are paying 36 percent or less of your monthly income towards all of your debts.

Mountain Top Demographics

  • 11,298Population
  • 751People / sq mile
  • 43.5Median age
  • 1.0:1Male/Female ratio

Nearby cities with low home prices

City, StatePopulationHome PriceNational Avg.
Jeddo, PA164$54,10071%
Shickshinny, PA715$69,30062%
Ashley, PA2,737$74,60060%
Glen Lyon, PA1,743$74,70060%
Plymouth, PA5,865$76,30059%
Mountain Top, PA11,298$190,0003%

Cities with similar population

City, StatePopulationHome PriceNational Avg.
Claiborne, LA11,299$139,70024%
East Grand Rapids, MI11,297$303,40064%
Ridgefield, NJ11,294$457,200148%
Munhall, PA11,305$81,50056%
Lake Arrowhead, CA11,307$323,40075%
Mountain Top, PA11,298$190,0003%
Source: The Mountain Top, PA housing data displayed above is derived from the 2016 United States Census Bureau American Community Survey (ACS).