Shade Gap, PA Housing Affordability Index
Shade Gap, Pennsylvania has an MBR Housing Affordability Index score of 218.2 (Highly Affordable) as of October 30, 2026, ranking 80th most affordable of 1,325 scored Pennsylvania cities, compared with 108.3 statewide and 97.4 nationally. On a median-priced $101,300 home with 20% down, the Pennsylvania average 30-year fixed rate of 7.23% means a monthly principal and interest payment of about $552, or 10% of the city’s $69,583 median household income.
The MBR Housing Affordability Index (MBR-HAI) for Shade Gap 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.
Shade Gap is 109.9 points above the Pennsylvania score. Scores as of October 30, 2026. See the Pennsylvania index
View Shade Gap Mortgage RatesSee What You Can Afford in Shade Gap, Pennsylvania
Use this Shade Gap, 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 Shade Gap median income of $69,583, with no other debts and $20,000 down, can afford a home of about $217,997, compared with a median home value of $101,300. Buying the median priced home with 20% down takes a household income of about $27,500 once property tax and insurance are counted.
| Loan amount | $197,997 |
| Principal & interest | $1,349/mo |
| Property tax | $102/mo |
| Home insurance | $91/mo |
| PMI | $82/mo |
| Total monthly payment | $1,624/mo |
How much house can you afford in Shade Gap?
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 Shade Gap, property taxes run about 0.56% 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 $4,071 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 Shade Gap
Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Shade Gap, Pennsylvania. The rate is the Pennsylvania average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.
How Shade Gap Ranks in Pennsylvania
Cite the Shade Gap Score
Explore Further
Scores update each morning, computed from rate data captured the previous night. Score of 100 = national average at a 6.5% reference rate.
