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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

Mill Creek, PA Housing Affordability Index

Mill Creek, Pennsylvania has an MBR Housing Affordability Index score of 149.8 (Highly Affordable) as of October 30, 2026, ranking 466th most affordable of 1,325 scored Pennsylvania cities, compared with 108.3 statewide and 97.4 nationally. On a median-priced $121,900 home with 20% down, the Pennsylvania average 30-year fixed rate of 7.23% means a monthly principal and interest payment of about $664, or 16% of the city’s $48,750 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Mill Creek 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.

Mill Creek MBR-HAI 149.8 Highly Affordable
Rank in Pennsylvania 466 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 $121,900 U.S. Census Bureau

Mill Creek is 41.5 points above the Pennsylvania score. Scores as of October 30, 2026. See the Pennsylvania index

View Mill Creek Mortgage Rates

What It Takes to Buy in Mill Creek

$664/mo
Principal & Interest
Median home, 20% down, 7.23%
$28,500
Income Needed
To keep the payment at 28% of income
$48,750
Median Household Income
Pennsylvania: $77,971
2.5x
Price-to-Income Ratio
Pennsylvania: 3.3x
$733/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$967/yr
Median Property Tax
0.79% of median value
20.5%
Owner Cost Burden
Owners spending 30%+ of income on housing
28.9%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Mill Creek Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Mill Creek, Pennsylvania score: 149.8 (Highly Affordable), ranked 466 of 1,325 Pennsylvania cities. monitorbankrates.com/housing-affordability-index/pennsylvania/mill-creek”