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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

Effort, PA Housing Affordability Index

Effort, Pennsylvania has an MBR Housing Affordability Index score of 110.7 (More Affordable Than Average) as of October 30, 2026, ranking 1038th most affordable of 1,325 scored Pennsylvania cities, compared with 108.3 statewide and 97.4 nationally. On a median-priced $314,000 home with 20% down, the Pennsylvania average 30-year fixed rate of 7.23% means a monthly principal and interest payment of about $1,711, or 19% of the city’s $110,909 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Effort 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.

Effort MBR-HAI 110.7 More Affordable Than Average
Rank in Pennsylvania 1,038 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 $314,000 U.S. Census Bureau

Effort is 2.4 points above the Pennsylvania score. Scores as of October 30, 2026. See the Pennsylvania index

View Effort Mortgage Rates

What It Takes to Buy in Effort

$1,711/mo
Principal & Interest
Median home, 20% down, 7.23%
$73,300
Income Needed
To keep the payment at 28% of income
$110,909
Median Household Income
Pennsylvania: $77,971
2.8x
Price-to-Income Ratio
Pennsylvania: 3.3x
$1,697/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$4,471/yr
Median Property Tax
1.42% of median value
34.9%
Owner Cost Burden
Owners spending 30%+ of income on housing
100.0%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Effort Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Effort, Pennsylvania score: 110.7 (More Affordable Than Average), ranked 1,038 of 1,325 Pennsylvania cities. monitorbankrates.com/housing-affordability-index/pennsylvania/effort”