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New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report

Deer Lake, PA Housing Affordability Index

Deer Lake, Pennsylvania has an MBR Housing Affordability Index score of 187.3 (Highly Affordable) as of October 30, 2026, ranking 187th most affordable of 1,325 scored Pennsylvania cities, compared with 108.3 statewide and 97.4 nationally. On a median-priced $220,300 home with 20% down, the Pennsylvania average 30-year fixed rate of 7.23% means a monthly principal and interest payment of about $1,200, or 10% of the city’s $150,114 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Deer Lake is updated every night from live Pennsylvania mortgage rates and U.S. Census Bureau income, home value and housing cost data for the city. A score of 100 equals the national average; higher scores mean homeownership is more affordable.

Deer Lake MBR-HAI 187.3 Highly Affordable
Rank in Pennsylvania 187 of 1,325 1 = most affordable
Pennsylvania 108.3 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.23% Pennsylvania lenders
Median home value $220,300 U.S. Census Bureau

Deer Lake is 79.0 points above the Pennsylvania score. Scores as of October 30, 2026. See the Pennsylvania index

View Deer Lake Mortgage Rates

What It Takes to Buy in Deer Lake

$1,200/mo
Principal & Interest
Median home, 20% down, 7.23%
$51,400
Income Needed
To keep the payment at 28% of income
$150,114
Median Household Income
Pennsylvania: $77,971
1.5x
Price-to-Income Ratio
Pennsylvania: 3.3x
$1,471/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$3,525/yr
Median Property Tax
1.60% of median value
13.0%
Owner Cost Burden
Owners spending 30%+ of income on housing
53.8%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Deer Lake, Pennsylvania. The rate is the Pennsylvania average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

Cite the Deer Lake Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Deer Lake, Pennsylvania score: 187.3 (Highly Affordable), ranked 187 of 1,325 Pennsylvania cities. monitorbankrates.com/housing-affordability-index/pennsylvania/deer-lake”