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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

Mountain Top, PA Housing Affordability Index

Mountain Top, Pennsylvania has an MBR Housing Affordability Index score of 126.4 (Highly Affordable) as of October 30, 2026, ranking 783rd most affordable of 1,325 scored Pennsylvania cities, compared with 108.3 statewide and 97.4 nationally. On a median-priced $297,700 home with 20% down, the Pennsylvania average 30-year fixed rate of 7.23% means a monthly principal and interest payment of about $1,622, or 18% of the city’s $109,535 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Mountain Top 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.

Mountain Top MBR-HAI 126.4 Highly Affordable
Rank in Pennsylvania 783 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 $297,700 U.S. Census Bureau

Mountain Top is 18.1 points above the Pennsylvania score. Scores as of October 30, 2026. See the Pennsylvania index

View Mountain Top Mortgage Rates

What It Takes to Buy in Mountain Top

$1,622/mo
Principal & Interest
Median home, 20% down, 7.23%
$69,500
Income Needed
To keep the payment at 28% of income
$109,535
Median Household Income
Pennsylvania: $77,971
2.7x
Price-to-Income Ratio
Pennsylvania: 3.3x
$1,703/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$3,850/yr
Median Property Tax
1.29% of median value
23.1%
Owner Cost Burden
Owners spending 30%+ of income on housing
18.9%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Mountain Top Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Mountain Top, Pennsylvania score: 126.4 (Highly Affordable), ranked 783 of 1,325 Pennsylvania cities. monitorbankrates.com/housing-affordability-index/pennsylvania/mountain-top”