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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

White Mills, PA Housing Affordability Index

White Mills, Pennsylvania has an MBR Housing Affordability Index score of 73.0 (Moderately Less Affordable) as of October 30, 2026, ranking 1324th most affordable of 1,325 scored Pennsylvania cities, compared with 108.3 statewide and 97.4 nationally. On a median-priced $195,000 home with 20% down, the Pennsylvania average 30-year fixed rate of 7.23% means a monthly principal and interest payment of about $1,063, or 47% of the city’s $27,284 median household income.

The MBR Housing Affordability Index (MBR-HAI) for White Mills 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.

White Mills MBR-HAI 73.0 Moderately Less Affordable
Rank in Pennsylvania 1,324 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 $195,000 U.S. Census Bureau

White Mills is 35.3 points below the Pennsylvania score. Scores as of October 30, 2026. See the Pennsylvania index

View White Mills Mortgage Rates

What It Takes to Buy in White Mills

$1,063/mo
Principal & Interest
Median home, 20% down, 7.23%
$45,500
Income Needed
To keep the payment at 28% of income
$27,284
Median Household Income
Pennsylvania: $77,971
7.1x
Price-to-Income Ratio
Pennsylvania: 3.3x
$657/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$3,659/yr
Median Property Tax
Pennsylvania figure
32.0%
Owner Cost Burden
Owners spending 30%+ of income on housing
40.0%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

How White Mills Ranks in Pennsylvania

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Cite the White Mills Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. White Mills, Pennsylvania score: 73.0 (Moderately Less Affordable), ranked 1,324 of 1,325 Pennsylvania cities. monitorbankrates.com/housing-affordability-index/pennsylvania/white-mills”