Bedford County, Pennsylvania home prices
Typical home $212,134 · +4.3% in a year · property tax 0.81%
The typical home in Bedford County is worth $212,134, 26% less than the Pennsylvania typical home ($287,078). Values changed +4.3% in the past year and +17.3% over five years. Homeowners here pay a median 0.81% of their home's value in property tax each year ($1,711 on the typical home), versus 1.12% statewide.
Mortgage on the typical Bedford County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $42,427 | $169,708 | $1,142 | $0 | $249 | $1,390 | $59,600 |
| 10% down | $21,213 | $190,921 | $1,284 | $80 | $249 | $1,613 | $69,100 |
| 5% down | $10,607 | $201,528 | $1,356 | $84 | $249 | $1,688 | $72,400 |
| 3.5% down (FHA) | $7,425 | $208,292 | $1,401 | $94 | $249 | $1,744 | $74,700 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.81% 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.
Pennsylvania counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Westmoreland County | $213,431 | +0.3% | 1.23% |
| Sullivan County | $214,269 | +5.8% | 1.02% |
| Beaver County | $208,836 | +3.4% | 1.42% |
| Tioga County | $218,488 | +1.9% | 1.15% |
| Erie County | $222,044 | +4.7% | 1.6% |
| Bradford County | $199,574 | +4.2% | 1.09% |
| Clinton County | $198,515 | +1.7% | 1.16% |
| Mifflin County | $197,401 | +4.8% | 1.45% |
| Luzerne County | $227,445 | +3.3% | 1.45% |
| Philadelphia County | $231,558 | +0.0% | 0.82% |
Frequently asked questions
What is the average home price in Bedford County, PA?
The typical home value in Bedford County is $212,134 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Bedford County?
About $59,600 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Bedford County?
The median effective rate is 0.81% of home value a year (Census ACS 2024 5-year estimates).