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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

Schellsburg, PA Housing Affordability Index

Schellsburg, Pennsylvania has an MBR Housing Affordability Index score of 214.1 (Highly Affordable) as of October 30, 2026, ranking 87th most affordable of 1,325 scored Pennsylvania cities, compared with 108.3 statewide and 97.4 nationally. On a median-priced $136,900 home with 20% down, the Pennsylvania average 30-year fixed rate of 7.23% means a monthly principal and interest payment of about $746, or 11% of the city’s $81,250 median household income.

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

Schellsburg MBR-HAI 214.1 Highly Affordable
Rank in Pennsylvania 87 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 $136,900 U.S. Census Bureau

Schellsburg is 105.8 points above the Pennsylvania score. Scores as of October 30, 2026. See the Pennsylvania index

View Schellsburg Mortgage Rates

What It Takes to Buy in Schellsburg

$746/mo
Principal & Interest
Median home, 20% down, 7.23%
$32,000
Income Needed
To keep the payment at 28% of income
$81,250
Median Household Income
Pennsylvania: $77,971
1.7x
Price-to-Income Ratio
Pennsylvania: 3.3x
$906/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,587/yr
Median Property Tax
1.16% of median value
5.3%
Owner Cost Burden
Owners spending 30%+ of income on housing
9.7%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Schellsburg Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Schellsburg, Pennsylvania score: 214.1 (Highly Affordable), ranked 87 of 1,325 Pennsylvania cities. monitorbankrates.com/housing-affordability-index/pennsylvania/schellsburg”