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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

Larksville, PA Housing Affordability Index

Larksville, Pennsylvania has an MBR Housing Affordability Index score of 125.2 (Highly Affordable) as of October 30, 2026, ranking 801st most affordable of 1,325 scored Pennsylvania cities, compared with 108.3 statewide and 97.4 nationally. On a median-priced $146,300 home with 20% down, the Pennsylvania average 30-year fixed rate of 7.23% means a monthly principal and interest payment of about $797, or 17% of the city’s $56,942 median household income.

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

Larksville MBR-HAI 125.2 Highly Affordable
Rank in Pennsylvania 801 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 $146,300 U.S. Census Bureau

Larksville is 16.9 points above the Pennsylvania score. Scores as of October 30, 2026. See the Pennsylvania index

View Larksville Mortgage Rates

What It Takes to Buy in Larksville

$797/mo
Principal & Interest
Median home, 20% down, 7.23%
$34,200
Income Needed
To keep the payment at 28% of income
$56,942
Median Household Income
Pennsylvania: $77,971
2.6x
Price-to-Income Ratio
Pennsylvania: 3.3x
$956/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,333/yr
Median Property Tax
1.59% of median value
23.0%
Owner Cost Burden
Owners spending 30%+ of income on housing
59.2%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Larksville Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Larksville, Pennsylvania score: 125.2 (Highly Affordable), ranked 801 of 1,325 Pennsylvania cities. monitorbankrates.com/housing-affordability-index/pennsylvania/larksville”