Adams County, Pennsylvania home prices
Typical home $331,644 · +3.0% in a year · property tax 1.33%
The typical home in Adams County is worth $331,644, 16% more than the Pennsylvania typical home ($287,078). Values changed +3.0% in the past year and +26.7% over five years. Homeowners here pay a median 1.33% of their home's value in property tax each year ($4,398 on the typical home), versus 1.12% statewide.
Mortgage on the typical Adams County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $66,329 | $265,315 | $1,785 | $0 | $532 | $2,317 | $99,300 |
| 10% down | $33,164 | $298,479 | $2,008 | $124 | $532 | $2,665 | $114,200 |
| 5% down | $16,582 | $315,061 | $2,119 | $131 | $532 | $2,783 | $119,300 |
| 3.5% down (FHA) | $11,608 | $325,637 | $2,191 | $147 | $532 | $2,870 | $123,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.33% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in Pennsylvania · part of the Gettysburg metro area.
Pennsylvania counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Butler County | $331,467 | -1.8% | 1.01% |
| Cumberland County | $341,579 | +2.2% | 1.17% |
| Lebanon County | $319,829 | +5.1% | 1.37% |
| Centre County | $351,727 | +2.4% | 1.05% |
| Monroe County | $310,974 | +1.7% | 1.66% |
| Berks County | $310,918 | +3.5% | 1.65% |
| York County | $309,136 | +3.4% | 1.61% |
| Wayne County | $307,695 | +3.6% | 1.26% |
| Pike County | $305,224 | +3.5% | 1.3% |
| Delaware County | $362,572 | +2.6% | 1.84% |
Frequently asked questions
What is the average home price in Adams County, PA?
The typical home value in Adams County is $331,644 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Adams County?
About $99,300 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Adams County?
The median effective rate is 1.33% of home value a year (Census ACS 2024 5-year estimates).