Luzerne County, Pennsylvania home prices
Typical home $227,445 · +3.3% in a year · property tax 1.45%
The typical home in Luzerne County is worth $227,445, 21% less than the Pennsylvania typical home ($287,078). Values changed +3.3% in the past year and +31.4% over five years. Homeowners here pay a median 1.45% of their home's value in property tax each year ($3,305 on the typical home), versus 1.12% statewide.
Mortgage on the typical Luzerne County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $45,489 | $181,956 | $1,224 | $0 | $389 | $1,613 | $69,100 |
| 10% down | $22,744 | $204,700 | $1,377 | $85 | $389 | $1,851 | $79,300 |
| 5% down | $11,372 | $216,072 | $1,454 | $90 | $389 | $1,933 | $82,800 |
| 3.5% down (FHA) | $7,961 | $223,325 | $1,502 | $101 | $389 | $1,992 | $85,400 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.45% 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 Scranton metro area.
Pennsylvania counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Philadelphia County | $231,558 | +0.0% | 0.82% |
| Erie County | $222,044 | +4.7% | 1.6% |
| Lycoming County | $235,755 | +3.4% | 1.31% |
| Washington County | $235,765 | +2.3% | 1.09% |
| Tioga County | $218,488 | +1.9% | 1.15% |
| Allegheny County | $236,739 | -0.1% | 1.52% |
| Juniata County | $236,854 | +2.7% | 0.99% |
| Fulton County | $239,744 | +6.9% | 1.02% |
| Snyder County | $240,138 | +4.9% | 1.11% |
| Wyoming County | $240,208 | +1.9% | 1.31% |
Frequently asked questions
What is the average home price in Luzerne County, PA?
The typical home value in Luzerne County is $227,445 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Luzerne County?
About $69,100 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Luzerne County?
The median effective rate is 1.45% of home value a year (Census ACS 2024 5-year estimates).