Lock Haven, PA home prices
Typical home $198,516 · +1.7% in a year · income needed $58,300
The Lock Haven, PA metro area ranks 646 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +1.7% in a year and +19.9% over five years. With 20% down at 7.11%, the typical home costs about $1,360 a month including 1.16% property tax (Clinton County rate).
Mortgage on the typical Lock Haven home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $39,703 | $158,812 | $1,068 | $0 | $292 | $1,360 | $58,300 |
| 10% down | $19,852 | $178,664 | $1,202 | $74 | $292 | $1,568 | $67,200 |
| 5% down | $9,926 | $188,590 | $1,269 | $79 | $292 | $1,639 | $70,200 |
| 3.5% down (FHA) | $6,948 | $194,920 | $1,311 | $88 | $292 | $1,691 | $72,500 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.16% 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 Lock Haven area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Clinton County, PA | $198,515 | +1.7% | 1.16% |
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Frequently asked questions
How much is a house in Lock Haven?
The typical home in the Lock Haven, PA metro area is worth $198,516 (Zillow, September 2026).
What salary do you need to buy a house in Lock Haven?
About $58,300 a year for the typical home with 20% down at 7.11%.