Somerset, PA home prices
Typical home $180,050 · +5.0% in a year · income needed $51,700
The Somerset, PA metro area ranks 719 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +5.0% in a year and +19.9% over five years. With 20% down at 7.11%, the typical home costs about $1,206 a month including 0.98% property tax (Somerset County rate).
Mortgage on the typical Somerset home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $36,010 | $144,040 | $969 | $0 | $237 | $1,206 | $51,700 |
| 10% down | $18,005 | $162,045 | $1,090 | $68 | $237 | $1,395 | $59,800 |
| 5% down | $9,003 | $171,048 | $1,151 | $71 | $237 | $1,459 | $62,500 |
| 3.5% down (FHA) | $6,302 | $176,789 | $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.
Counties in the Somerset area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Somerset County, PA | $180,049 | +5.0% | 0.98% |
What can you afford in Pennsylvania on your salary? · Pennsylvania home prices · Salaries in Pennsylvania
Frequently asked questions
How much is a house in Somerset?
The typical home in the Somerset, PA metro area is worth $180,050 (Zillow, September 2026).
What salary do you need to buy a house in Somerset?
About $51,700 a year for the typical home with 20% down at 7.11%.