Jefferson County, Pennsylvania home prices
Typical home $121,510 · -0.7% in a year · property tax 1%
The typical home in Jefferson County is worth $121,510, 58% less than the Pennsylvania typical home ($287,078). Values changed -0.7% in the past year and -1.4% over five years. Homeowners here pay a median 1% of their home's value in property tax each year ($1,219 on the typical home), versus 1.12% statewide.
Mortgage on the typical Jefferson County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $24,302 | $97,208 | $654 | $0 | $162 | $816 | $35,000 |
| 10% down | $12,151 | $109,359 | $736 | $46 | $162 | $944 | $40,400 |
| 5% down | $6,075 | $115,434 | $777 | $48 | $162 | $987 | $42,300 |
| 3.5% down (FHA) | $4,253 | $119,309 | $803 | $54 | $162 | $1,019 | $43,700 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1% 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 |
|---|---|---|---|
| Cambria County | $124,304 | +3.5% | 1.23% |
| Venango County | $127,794 | -0.4% | 1.27% |
| Forest County | $130,593 | +7.2% | 0.99% |
| McKean County | $109,724 | -3.2% | 1.59% |
| Cameron County | $109,199 | -7.9% | 1.59% |
| Elk County | $137,822 | +15.8% | 1.27% |
| Warren County | $139,074 | +2.1% | 1.32% |
| Clarion County | $140,548 | -1.8% | 0.97% |
| Fayette County | $143,795 | -1.6% | 1.12% |
| Clearfield County | $144,352 | +4.3% | 1.09% |
Frequently asked questions
What is the average home price in Jefferson County, PA?
The typical home value in Jefferson County is $121,510 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Jefferson County?
About $35,000 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Jefferson County?
The median effective rate is 1% of home value a year (Census ACS 2024 5-year estimates).