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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

Swarthmore, PA Housing Affordability Index

Swarthmore, Pennsylvania has an MBR Housing Affordability Index score of 117.3 (More Affordable Than Average) as of October 30, 2026, ranking 944th most affordable of 1,325 scored Pennsylvania cities, compared with 108.3 statewide and 97.4 nationally. On a median-priced $633,800 home with 20% down, the Pennsylvania average 30-year fixed rate of 7.23% means a monthly principal and interest payment of about $3,453, or 27% of the city’s $152,361 median household income.

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

Swarthmore MBR-HAI 117.3 More Affordable Than Average
Rank in Pennsylvania 944 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 $633,800 U.S. Census Bureau

Swarthmore is 9.0 points above the Pennsylvania score. Scores as of October 30, 2026. See the Pennsylvania index

View Swarthmore Mortgage Rates

What It Takes to Buy in Swarthmore

$3,453/mo
Principal & Interest
Median home, 20% down, 7.23%
$148,000
Income Needed
To keep the payment at 28% of income
$152,361
Median Household Income
Pennsylvania: $77,971
4.2x
Price-to-Income Ratio
Pennsylvania: 3.3x
$2,316/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$3,659/yr
Median Property Tax
Pennsylvania figure
5.9%
Owner Cost Burden
Owners spending 30%+ of income on housing
30.0%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Swarthmore Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Swarthmore, Pennsylvania score: 117.3 (More Affordable Than Average), ranked 944 of 1,325 Pennsylvania cities. monitorbankrates.com/housing-affordability-index/pennsylvania/swarthmore”