Bradford, PA home prices
Typical home $109,774 · -3.2% in a year · income needed $33,900
The Bradford, PA metro area ranks 876 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed -3.2% in a year and +1.8% over five years. With 20% down at 7.11%, the typical home costs about $791 a month including 1.59% property tax (McKean County rate).
Mortgage on the typical Bradford home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $21,955 | $87,819 | $591 | $0 | $200 | $791 | $33,900 |
| 10% down | $10,977 | $98,797 | $665 | $41 | $200 | $906 | $38,800 |
| 5% down | $5,489 | $104,286 | $702 | $43 | $200 | $945 | $40,500 |
| 3.5% down (FHA) | $3,842 | $107,786 | $725 | $49 | $200 | $974 | $41,700 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.59% 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.
Counties in the Bradford area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| McKean County, PA | $109,724 | -3.2% | 1.59% |
What can you afford in Pennsylvania on your salary? · Pennsylvania home prices · Salaries in Pennsylvania
Frequently asked questions
How much is a house in Bradford?
The typical home in the Bradford, PA metro area is worth $109,774 (Zillow, September 2026).
What salary do you need to buy a house in Bradford?
About $33,900 a year for the typical home with 20% down at 7.11%.