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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

Shamokin Dam, PA Housing Affordability Index

Shamokin Dam, Pennsylvania has an MBR Housing Affordability Index score of 123.4 (Highly Affordable) as of October 30, 2026, ranking 839th most affordable of 1,325 scored Pennsylvania cities, compared with 108.3 statewide and 97.4 nationally. On a median-priced $197,200 home with 20% down, the Pennsylvania average 30-year fixed rate of 7.23% means a monthly principal and interest payment of about $1,074, or 19% of the city’s $69,063 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Shamokin Dam 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.

Shamokin Dam MBR-HAI 123.4 Highly Affordable
Rank in Pennsylvania 839 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 $197,200 U.S. Census Bureau

Shamokin Dam is 15.1 points above the Pennsylvania score. Scores as of October 30, 2026. See the Pennsylvania index

View Shamokin Dam Mortgage Rates

What It Takes to Buy in Shamokin Dam

$1,074/mo
Principal & Interest
Median home, 20% down, 7.23%
$46,000
Income Needed
To keep the payment at 28% of income
$69,063
Median Household Income
Pennsylvania: $77,971
2.9x
Price-to-Income Ratio
Pennsylvania: 3.3x
$983/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,873/yr
Median Property Tax
1.46% of median value
17.1%
Owner Cost Burden
Owners spending 30%+ of income on housing
34.0%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Shamokin Dam Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Shamokin Dam, Pennsylvania score: 123.4 (Highly Affordable), ranked 839 of 1,325 Pennsylvania cities. monitorbankrates.com/housing-affordability-index/pennsylvania/shamokin-dam”