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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

Harveys Lake, PA Housing Affordability Index

Harveys Lake, Pennsylvania has an MBR Housing Affordability Index score of 115.7 (More Affordable Than Average) as of October 30, 2026, ranking 966th most affordable of 1,325 scored Pennsylvania cities, compared with 108.3 statewide and 97.4 nationally. On a median-priced $238,600 home with 20% down, the Pennsylvania average 30-year fixed rate of 7.23% means a monthly principal and interest payment of about $1,300, or 21% of the city’s $75,510 median household income.

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

Harveys Lake MBR-HAI 115.7 More Affordable Than Average
Rank in Pennsylvania 966 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 $238,600 U.S. Census Bureau

Harveys Lake is 7.4 points above the Pennsylvania score. Scores as of October 30, 2026. See the Pennsylvania index

View Harveys Lake Mortgage Rates

What It Takes to Buy in Harveys Lake

$1,300/mo
Principal & Interest
Median home, 20% down, 7.23%
$55,700
Income Needed
To keep the payment at 28% of income
$75,510
Median Household Income
Pennsylvania: $77,971
3.2x
Price-to-Income Ratio
Pennsylvania: 3.3x
$1,356/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$4,103/yr
Median Property Tax
1.72% of median value
31.4%
Owner Cost Burden
Owners spending 30%+ of income on housing
16.0%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Harveys Lake Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Harveys Lake, Pennsylvania score: 115.7 (More Affordable Than Average), ranked 966 of 1,325 Pennsylvania cities. monitorbankrates.com/housing-affordability-index/pennsylvania/harveys-lake”