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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

Gilberton, PA Housing Affordability Index

Gilberton, Pennsylvania has an MBR Housing Affordability Index score of 451.5 (Highly Affordable) as of October 30, 2026, ranking 1st most affordable of 1,325 scored Pennsylvania cities, compared with 108.3 statewide and 97.4 nationally. On a median-priced $43,600 home with 20% down, the Pennsylvania average 30-year fixed rate of 7.23% means a monthly principal and interest payment of about $238, or 4% of the city’s $65,060 median household income.

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

Gilberton MBR-HAI 451.5 Highly Affordable
Rank in Pennsylvania 1 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 $43,600 U.S. Census Bureau

Gilberton is 343.3 points above the Pennsylvania score. Scores as of October 30, 2026. See the Pennsylvania index

View Gilberton Mortgage Rates

What It Takes to Buy in Gilberton

$238/mo
Principal & Interest
Median home, 20% down, 7.23%
$10,200
Income Needed
To keep the payment at 28% of income
$65,060
Median Household Income
Pennsylvania: $77,971
0.7x
Price-to-Income Ratio
Pennsylvania: 3.3x
$469/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,500/yr
Median Property Tax
5.73% of median value
27.8%
Owner Cost Burden
Owners spending 30%+ of income on housing
2.0%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

How Gilberton Ranks in Pennsylvania

Cities with similar scores
#1Gilberton451.5
#2Reedsville418.6 #3Glasgow405.2 #4Coalport371.9
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Cite the Gilberton Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Gilberton, Pennsylvania score: 451.5 (Highly Affordable), ranked 1 of 1,325 Pennsylvania cities. monitorbankrates.com/housing-affordability-index/pennsylvania/gilberton”