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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

Mount Oliver, PA Housing Affordability Index

Mount Oliver, Pennsylvania has an MBR Housing Affordability Index score of 156.2 (Highly Affordable) as of October 30, 2026, ranking 402nd most affordable of 1,325 scored Pennsylvania cities, compared with 108.3 statewide and 97.4 nationally. On a median-priced $96,900 home with 20% down, the Pennsylvania average 30-year fixed rate of 7.23% means a monthly principal and interest payment of about $528, or 12% of the city’s $52,297 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Mount Oliver 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.

Mount Oliver MBR-HAI 156.2 Highly Affordable
Rank in Pennsylvania 402 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 $96,900 U.S. Census Bureau

Mount Oliver is 48.0 points above the Pennsylvania score. Scores as of October 30, 2026. See the Pennsylvania index

View Mount Oliver Mortgage Rates

What It Takes to Buy in Mount Oliver

$528/mo
Principal & Interest
Median home, 20% down, 7.23%
$22,600
Income Needed
To keep the payment at 28% of income
$52,297
Median Household Income
Pennsylvania: $77,971
1.9x
Price-to-Income Ratio
Pennsylvania: 3.3x
$784/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,756/yr
Median Property Tax
1.81% of median value
28.7%
Owner Cost Burden
Owners spending 30%+ of income on housing
57.1%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Mount Oliver Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Mount Oliver, Pennsylvania score: 156.2 (Highly Affordable), ranked 402 of 1,325 Pennsylvania cities. monitorbankrates.com/housing-affordability-index/pennsylvania/mount-oliver”