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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

Roscoe, PA Housing Affordability Index

Roscoe, Pennsylvania has an MBR Housing Affordability Index score of 181.7 (Highly Affordable) as of October 30, 2026, ranking 218th most affordable of 1,325 scored Pennsylvania cities, compared with 108.3 statewide and 97.4 nationally. On a median-priced $110,300 home with 20% down, the Pennsylvania average 30-year fixed rate of 7.23% means a monthly principal and interest payment of about $601, or 11% of the city’s $68,289 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Roscoe 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.

Roscoe MBR-HAI 181.7 Highly Affordable
Rank in Pennsylvania 218 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 $110,300 U.S. Census Bureau

Roscoe is 73.5 points above the Pennsylvania score. Scores as of October 30, 2026. See the Pennsylvania index

View Roscoe Mortgage Rates

See What You Can Afford in Roscoe, Pennsylvania

Use this Roscoe, Pennsylvania home affordability calculator to see how much house you can afford at today’s Pennsylvania average 30-year mortgage rate of 7.23%. A household earning the Roscoe median income of $68,289, with no other debts and $22,000 down, can afford a home of about $202,336, compared with a median home value of $110,300. Buying the median priced home with 20% down takes a household income of about $32,500 once property tax and insurance are counted.

Roscoe median (Census)
Car, student loan, card minimums
Under 20% adds PMI
Pennsylvania average, 30-year fixed
Roscoe median bill (Census)
Estimate; use your quote
You can afford a home up to
$202,336
At or above the Roscoe median home value of $110,300
Loan amount$180,336
Principal & interest$1,228/mo
Property tax$206/mo
Home insurance$84/mo
PMI$75/mo
Total monthly payment$1,593/mo
Compare Roscoe Mortgage Rates

How much house can you afford in Roscoe?

Most lenders use two limits. Your housing payment, including principal, interest, property tax, homeowners insurance and any PMI, should stay under about 28% of your gross monthly income, and all of your monthly debt payments together should stay under about 36%. The calculator takes whichever limit is lower, then works backward from that payment to the most expensive home it covers at the current rate.

In Roscoe, property taxes run about 1.22% of a home’s value each year, based on the Census median tax bill, which counts against the same monthly budget as the mortgage. Each quarter point move in mortgage rates changes the price you can afford by roughly $3,477 for a median income household. A larger down payment, paying down other debts, or a lower rate from a local lender all raise your budget.

What It Takes to Buy in Roscoe

$601/mo
Principal & Interest
Median home, 20% down, 7.23%
$25,800
Income Needed
To keep principal and interest at 28% of income
$68,289
Median Household Income
Pennsylvania: $77,971
1.6x
Price-to-Income Ratio
Pennsylvania: 3.3x
$769/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,346/yr
Median Property Tax
1.22% of median value
23.6%
Owner Cost Burden
Owners spending 30%+ of income on housing
45.8%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Roscoe Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Roscoe, Pennsylvania score: 181.7 (Highly Affordable), ranked 218 of 1,325 Pennsylvania cities. monitorbankrates.com/housing-affordability-index/pennsylvania/roscoe”