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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

North Irwin, PA Housing Affordability Index

North Irwin, Pennsylvania has an MBR Housing Affordability Index score of 127.7 (Highly Affordable) as of October 30, 2026, ranking 761st most affordable of 1,325 scored Pennsylvania cities, compared with 108.3 statewide and 97.4 nationally. On a median-priced $140,800 home with 20% down, the Pennsylvania average 30-year fixed rate of 7.23% means a monthly principal and interest payment of about $767, or 19% of the city’s $49,063 median household income.

The MBR Housing Affordability Index (MBR-HAI) for North Irwin 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.

North Irwin MBR-HAI 127.7 Highly Affordable
Rank in Pennsylvania 761 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 $140,800 U.S. Census Bureau

North Irwin is 19.4 points above the Pennsylvania score. Scores as of October 30, 2026. See the Pennsylvania index

View North Irwin Mortgage Rates

What It Takes to Buy in North Irwin

$767/mo
Principal & Interest
Median home, 20% down, 7.23%
$32,900
Income Needed
To keep the payment at 28% of income
$49,063
Median Household Income
Pennsylvania: $77,971
2.9x
Price-to-Income Ratio
Pennsylvania: 3.3x
$741/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,469/yr
Median Property Tax
1.04% of median value
28.9%
Owner Cost Burden
Owners spending 30%+ of income on housing
34.7%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the North Irwin Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. North Irwin, Pennsylvania score: 127.7 (Highly Affordable), ranked 761 of 1,325 Pennsylvania cities. monitorbankrates.com/housing-affordability-index/pennsylvania/north-irwin”