MonitorBankRates
☰
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

New Freedom, PA Housing Affordability Index

New Freedom, Pennsylvania has an MBR Housing Affordability Index score of 107.6 (Near National Average) as of October 30, 2026, ranking 1100th most affordable of 1,325 scored Pennsylvania cities, compared with 108.3 statewide and 97.4 nationally. On a median-priced $370,900 home with 20% down, the Pennsylvania average 30-year fixed rate of 7.23% means a monthly principal and interest payment of about $2,021, or 20% of the city’s $120,037 median household income.

The MBR Housing Affordability Index (MBR-HAI) for New Freedom 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.

New Freedom MBR-HAI 107.6 Near National Average
Rank in Pennsylvania 1,100 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 $370,900 U.S. Census Bureau

New Freedom is 0.7 points below the Pennsylvania score. Scores as of October 30, 2026. See the Pennsylvania index

View New Freedom Mortgage Rates

What It Takes to Buy in New Freedom

$2,021/mo
Principal & Interest
Median home, 20% down, 7.23%
$86,600
Income Needed
To keep the payment at 28% of income
$120,037
Median Household Income
Pennsylvania: $77,971
3.1x
Price-to-Income Ratio
Pennsylvania: 3.3x
$1,806/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$5,671/yr
Median Property Tax
1.53% of median value
25.1%
Owner Cost Burden
Owners spending 30%+ of income on housing
59.9%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the New Freedom Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. New Freedom, Pennsylvania score: 107.6 (Near National Average), ranked 1,100 of 1,325 Pennsylvania cities. monitorbankrates.com/housing-affordability-index/pennsylvania/new-freedom”