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White Oak Real Estate Market Facts

  • $96,000Median home price
    43% lower than Pennsylvania
  • $767Median rent asked
    11% lower than Pennsylvania
  • 72.8%Home owners
    5% higher than Pennsylvania
  • 1.9People per home
    21% lower than Pennsylvania
A general summary of the real estate market in White Oak, PA is listed above. Properties in White Oak, PA average a cost of $96,000, which is 43% lower than the median home price for real estate located in Pennsylvania. This means that the region of White Oak, PA is, on average, more affordable when compared to the remainder of Pennsylvania. Since tenants living in White Oak, PA will pay an average of $767, the median rental cost is 11% lower than in Pennsylvania. 72.8% of people in White Oak, PA own their own homes, and an average of 1.9 people inhabit each property. White Oak, PA has many assorted real estate listings available. These range from urban townhouses to inexpensive condos to luxurious residences. We make finding homes for sale and browsing real estate listings effortless. Simply use the search function above, and obtain filtered results according to price, location, bathrooms and bedrooms.

White Oak Home Affordability

  • $96,000Median home price
    43% lower than Pennsylvania
  • $52,935Median home income
    4% lower than Pennsylvania
  • 1.8xHome price to income ratio
    41% lower than Pennsylvania
When starting your search for real estate in White Oak, PA, it is crucial to consider home affordability. When calculating home affordability, the ratio of home price to median household income is one of the methods that is applicable in doing so. On average, a home in White Oak, PA costs $96,000 while each household has an average income of $52,935. Consequently, the ratio of home price to household income is 1.8x; this ratio is 41% lower than the average in Pennsylvania. Calculating the home affordability ratio involves dividing the average price of a home by the average income of homes in White Oak, PA. When the ratio of home price to income is relatively low, the implication is that homes are more affordable on the basis of the home price in comparison with the home income. Note that besides home price to median household income ratio, there are various other factors to put into consideration when determining if home affordability exists. Check the home affordability calculator shown below to calculate how much you can afford to pay for real estate in White Oak, PA.

White Oak Affordability Calculator

Include PMI
You can afford a home up to:
Debt-to-income ratio
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  • Monthly income
  • Monthly payment
  • Debt payment
  • Income taxes
  • Remainder
If you are looking to purchase real estate in White Oak, PA, it is imperative that it falls within your established budget range. Our home affordability calculation tool lets you figure out the price of your prospective home in White Oak, PA as the calculation is based on your salary, your debts and the amount of the down payment that you have available. If you want an even more detailed report, you can include more information such as mortgage terms, rates, property taxes, homeowners insurance and HOA dues. By adding in those additional details, you will be able to see a more accurate price of a home that you will be able to afford in White Oak, PA. This is a very useful tool because it prevents you from falling in love with a property that you will not be able to safely afford. The home affordability calculation tool is also a great way to manage your budget because you will be able to clearly see how much money you will be spending on home ownership, and how much money will be available for other livings costs and hopefully, savings.

White Oak Mortgage Calculator

Your monthly payment will be:
Monthly payment breakdown
  • Monthly payment
  • Mortgage
  • PMI fees
  • Property tax
  • Home insurance
  • HOA dues
What will be my monthly costs if I purchase White Oak, PA real estate? There are various factors that determine the monthly cost of a home. Obviously, the major factor is the price of the home itself. However, beyond the price of the home,it is also important to consider the down payment, loan term, interest rate, property taxes, home insurance, HOA dues and PMI (private mortgage insurance). For homeowners who are able to put 20% or more towards a down payment, PMI payments can be completely emlinated, which saves a home owner money. Typical mortgage calculators have preset default values for these details, but they can be altered to give a potential buyer a more accurate depiction of the estimated monthly payment. When it comes to financing, a generally accepted recommendation is to keep the DTI (debt-to-income) ratio to no more than 36 percent, which means no more than 36 percent of your gross monthly income should go to paying all debts.

White Oak Demographics

  • 7,803Population
  • 1,178People / sq mile
  • 53.4Median age
  • 0.8:1Male/Female ratio

Nearby cities with low home prices

City, StatePopulationHome PriceNational Avg.
Harrison City, PA135$0100%
Braddock, PA1,841$29,30084%
North Braddock, PA4,810$35,40081%
Duquesne, PA5,534$36,00081%
Rankin, PA2,274$42,70077%
White Oak, PA7,803$96,00048%

Cities with similar population

City, StatePopulationHome PriceNational Avg.
Milan, TN7,803$101,00045%
New Square, NY7,804$339,00084%
Lexington, TN7,796$112,20039%
Port Jefferson, NY7,795$499,400170%
Grand Ledge, MI7,794$124,50033%
White Oak, PA7,803$96,00048%
Source: The White Oak, PA housing data displayed above is derived from the 2016 United States Census Bureau American Community Survey (ACS).