Somerset County, Pennsylvania home prices
Typical home $180,049 · +5.0% in a year · property tax 0.98%
The typical home in Somerset County is worth $180,049, 37% less than the Pennsylvania typical home ($287,078). Values changed +5.0% in the past year and +19.9% over five years. Homeowners here pay a median 0.98% of their home's value in property tax each year ($1,766 on the typical home), versus 1.12% statewide.
Mortgage on the typical Somerset County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $36,010 | $144,039 | $969 | $0 | $237 | $1,206 | $51,700 |
| 10% down | $18,005 | $162,044 | $1,090 | $68 | $237 | $1,395 | $59,800 |
| 5% down | $9,002 | $171,047 | $1,151 | $71 | $237 | $1,459 | $62,500 |
| 3.5% down (FHA) | $6,302 | $176,788 | $1,189 | $80 | $237 | $1,506 | $64,500 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.98% 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 Somerset metro area.
Pennsylvania counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Schuylkill County | $179,851 | +4.2% | 1.4% |
| Mercer County | $179,580 | +0.5% | 1.18% |
| Huntingdon County | $181,292 | +2.7% | 0.94% |
| Crawford County | $175,975 | +7.0% | 1.35% |
| Northumberland County | $175,473 | +1.4% | 1.1% |
| Blair County | $175,427 | +6.4% | 1.07% |
| Indiana County | $172,619 | +8.2% | 1.5% |
| Lawrence County | $164,572 | +4.2% | 1.34% |
| Mifflin County | $197,401 | +4.8% | 1.45% |
| Armstrong County | $161,968 | -0.5% | 1.37% |
Frequently asked questions
What is the average home price in Somerset County, PA?
The typical home value in Somerset County is $180,049 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Somerset County?
About $51,700 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Somerset County?
The median effective rate is 0.98% of home value a year (Census ACS 2024 5-year estimates).