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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

Freeport, PA Housing Affordability Index

Freeport, Pennsylvania has an MBR Housing Affordability Index score of 143.5 (Highly Affordable) as of October 30, 2026, ranking 544th most affordable of 1,325 scored Pennsylvania cities, compared with 108.3 statewide and 97.4 nationally. On a median-priced $110,600 home with 20% down, the Pennsylvania average 30-year fixed rate of 7.23% means a monthly principal and interest payment of about $603, or 15% of the city’s $48,843 median household income.

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

Freeport MBR-HAI 143.5 Highly Affordable
Rank in Pennsylvania 544 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 $110,600 U.S. Census Bureau

Freeport is 35.2 points above the Pennsylvania score. Scores as of October 30, 2026. See the Pennsylvania index

View Freeport Mortgage Rates

See What You Can Afford in Freeport, Pennsylvania

Use this Freeport, Pennsylvania home affordability calculator to see how much house you can afford at today’s Pennsylvania average 30-year mortgage rate of 7.23%. A household earning the Freeport median income of $48,843, with no other debts and $22,000 down, can afford a home of about $142,151, compared with a median home value of $110,600. Buying the median priced home with 20% down takes a household income of about $34,900 once property tax and insurance are counted.

Freeport median (Census)
Car, student loan, card minimums
Under 20% adds PMI
Pennsylvania average, 30-year fixed
Freeport median bill (Census)
Estimate; use your quote
You can afford a home up to
$142,151
At or above the Freeport median home value of $110,600
Loan amount$120,151
Principal & interest$818/mo
Property tax$212/mo
Home insurance$59/mo
PMI$50/mo
Total monthly payment$1,140/mo
Compare Freeport Mortgage Rates

How much house can you afford in Freeport?

Most lenders use two limits. Your housing payment, including principal, interest, property tax, homeowners insurance and any PMI, should stay under about 28% of your gross monthly income, and all of your monthly debt payments together should stay under about 36%. The calculator takes whichever limit is lower, then works backward from that payment to the most expensive home it covers at the current rate.

In Freeport, property taxes run about 1.79% of a home’s value each year, based on the Census median tax bill, which counts against the same monthly budget as the mortgage. Each quarter point move in mortgage rates changes the price you can afford by roughly $2,198 for a median income household. A larger down payment, paying down other debts, or a lower rate from a local lender all raise your budget.

What It Takes to Buy in Freeport

$603/mo
Principal & Interest
Median home, 20% down, 7.23%
$25,800
Income Needed
To keep principal and interest at 28% of income
$48,843
Median Household Income
Pennsylvania: $77,971
2.3x
Price-to-Income Ratio
Pennsylvania: 3.3x
$697/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,979/yr
Median Property Tax
1.79% of median value
29.2%
Owner Cost Burden
Owners spending 30%+ of income on housing
23.7%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Freeport Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Freeport, Pennsylvania score: 143.5 (Highly Affordable), ranked 544 of 1,325 Pennsylvania cities. monitorbankrates.com/housing-affordability-index/pennsylvania/freeport”