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City · 6,890 residents · Beaver County, Pennsylvania

Ambridge , Pennsylvania

In Ambridge, a typical home is worth $98,200 and typical rent is $969 a month. Compared with all of Beaver County, the typical home value is 49% lower, typical household income is 28% lower, and the share of households that own their home is 28 points lower.

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  • Typical home value

    $98,200

    49% below the county

    61% below Pennsylvania

    • Ambridge
    • Beaver
    • Pennsylvania

  • Typical rent

    $969a month

    9% above the county

    20% below Pennsylvania

    • Ambridge
    • Beaver
    • Pennsylvania

  • Typical household income

    $51,537a year

    28% below the county

    34% below Pennsylvania

    • Ambridge
    • Beaver
    • Pennsylvania

  • Households that own their home

    47%

    28 points below the county

    23 points below Pennsylvania

    • Ambridge
    • Beaver
    • Pennsylvania

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$140,247
1.1% more than 12 months ago
Typical rent
$998 a month

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Ambridge is in Beaver County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Beaver County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Ambridge apart

What this place has that others do not, from public data, most unusual first.

  1. 47% of households in Ambridge own their home, against 75% in Beaver County.

  2. The typical home in Ambridge is worth $98,200, 49% less than in Beaver County as a whole ($190,900).

  3. The typical household income in Ambridge is $51,537, 28% less than in Beaver County as a whole ($71,089).

  4. Nearby, in Aliquippa, the typical rent is $821: 15% less than in Ambridge ($969).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Ambridge

What homes there are in Ambridge, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

In Ambridge, 6 in 10 homes are single-family detached houses; in Beaver County, 8.

Year built

The typical home in Ambridge was built before 1940, the oldest group the Census tells apart; 88% of homes date from before 1960.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$1,182 a month

Beaver County: $1,437 a month

Without a mortgage

$607 a month

Beaver County: $623 a month

Owners with a mortgage

53%

Beaver County: 55%

In Ambridge, 53% of owners have a mortgage, and their typical cost is $1,182 a month, against $1,437 in Beaver County. Without one it drops to $607.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

From 2015–2019 to 2020–2024, home values in Ambridge rose at about the same pace as in Beaver County: 38% against 35%.

Rents in Ambridge rose faster than in Beaver County: 39% since 2015–2019, against 28%.

The typical household income in Ambridge rose 25%: less than home values (+38%) and rent (+39%).

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureAmbridgeBeaver CountyPennsylvaniaUnited States
Rental vacancy Unreliable estimate7.2%4.9%5.5%
Homeowner vacancy Unreliable estimate1.3%0.8%0.9%
More than one person per room Unreliable estimate0.9%1.6%3.4%
People per household 2.192.262.392.53
Drive alone 64%74%68%69%
Carpool 15%8%8%9%
Public transit Unreliable estimate1%4%3%
Walk or bike Unreliable estimate2%4%3%
Work from home 12%14%16%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

By size, households in Ambridge look like those in Beaver County: 2.19 people on average.

More people carpool to work in Ambridge than in Beaver County: 15% against 8%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Ambridge?

A typical home is within reach of the typical income

We start with a typical home in Ambridge, worth $98,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 21% of the typical household income in Ambridge, which is $51,537 a year.

The calculator's FHA and conventional loan limits are those of all of Beaver County.

Your numbers

Local data
$

Starts at the typical home value in Ambridge. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $3,437 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$920

at 7.18% · 30 years

Loan amount
$96,421
Total interest
$138,728
Paid off in
November 2056

Includes $1,658 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,203 a month

    Your payment · 21%

  • Tight

    $1,203 to $1,546 a month

  • Hard

    more than $1,546 a month

Compared with the typical household income in Ambridge ($51,537 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$920
Principal & interest$653
Property tax$183
Home insurance$41
FHA mortgage insurance (MIP)$43

You need at least $3,437 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Ambridge and Beaver County

Ambridge is in Beaver County, Pennsylvania. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Ambridge's own numbers

Typical home value
$98,200
Typical monthly rent
$969
Typical yearly household income
$51,537
Households that own their home
47%
Effective property tax rate
2.23%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Beaver County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,389
Price change over 5 years (FHFA)
+39%
Homes in a high flood-risk zone
1.2%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Beaver County.

Everything about Beaver County

Buying

Buying a home in Ambridge

A typical home in Ambridge is worth $98,200: 49% below the county and 61% below Pennsylvania. With the typical household income in Ambridge ($51,537 a year), a typical home costs 1.9 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Ambridge 1.9 years
  • Beaver 2.7 years
  • Pennsylvania 3.3 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Beaver County

According to FHFA’s house price index, home prices in Beaver County rose 67% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Beaver County.

Period County Pennsylvania U.S.
Last year (2025) +4.4% +4.7% +2.9%
5 years (2020–2025) +39% +48% +47%
10 years (2015–2025) +67% +77% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Ambridge next to Beaver County, Pennsylvania and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Ambridge $98,200
  • Beaver $190,900
  • Pennsylvania $254,500
  • United States $332,700
Typical monthly rent
  • Ambridge $969
  • Beaver $890
  • Pennsylvania $1,209
  • United States $1,413
Typical yearly household income
  • Ambridge $51,537
  • Beaver $71,089
  • Pennsylvania $77,971
  • United States $80,734
See the full table
Ambridge next to Beaver County and Pennsylvania
Measure Ambridge Beaver County Pennsylvania U.S.
Typical home value $98,200 $190,900 $254,500 $332,700
Typical monthly rent $969 $890 $1,209 $1,413
Typical yearly household income $51,537 $71,089 $77,971 $80,734
Households that own their home 47% 75% 69% 65%
Typical yearly property tax $2,190 $2,704 $3,311 $3,119
Effective property tax rate 2.23% 1.42% 1.3% 0.94%
Renters with high rent for their income 54% 42% 48% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Beaver County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Ambridge

For a typical $98,200 home in Ambridge, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Ambridge's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $920a month

    Least cash to close
    Down payment
    $3,437
    Cash to close
    $6,383
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $43

  • Conventional, 5% down $902a month

    Down payment
    $4,910
    Cash to close
    $7,856
    Rate
    7.18%
    Mortgage insurance
    PMI · $47

  • Conventional, 20% down, no PMI $756a month

    Down payment
    $19,640
    Cash to close
    $22,586
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $846a month

    Down payment
    $14,730
    Cash to close
    $17,676
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Ambridge and for Beaver County.

Property tax

Effective rate in Ambridge

2.23%of the home’s value each year

$2,190 a year for the typical owner in Ambridge.

  • Ambridge 2.23%
  • Beaver 1.42%
  • Pennsylvania 1.3%

What Pennsylvania publishes Property Tax/Rent Rebate Program (PTRR) (Pennsylvania Department of Revenue)

Exemptions and deadlines in Pennsylvania

Flood risk in Beaver County

FEMA does not publish these numbers by city: they are for all of Beaver County.

Homes in the high-risk zone
1.2%
802
Of those, with NFIP insurance
20%
County Pennsylvania U.S.
Homes in the high-risk zone 1.2% 2% 3.5%
Of those, with NFIP insurance 20% 23% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Ambridge

Typical rent in Ambridge is $969 a month: 9% above the county. In Ambridge, 54% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Beaver County, by unit size. To pay the 2-bedroom one ($1,389 a month) without spending more than 30% of your income, you would need to earn $26.71 an hour working full time.

HUD fair market rent for all of Beaver County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,075 $20.67 $43,000
1 bedroom $1,146 $22.04 $45,840
2 bedrooms $1,389 $26.71 $55,560
3 bedrooms $1,773 $34.10 $70,920
4 bedrooms $1,925 $37.02 $77,000

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Ambridge

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Ambridge is in ZIP code 15003.

For 2 bedrooms it is $1,190: $199 less than the fair market rent for Beaver County ($1,389).

  • 15003 $1,190$1,520

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Ambridge when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Ambridge

HUD lists one building with rents for lower incomes in Ambridge.

  • Crestview Village 500 Beaver Rd, Ambridge 15003 317 homes, 312 low-income · Run by Housing Authority of the County of Beaver · Average payment: $344 a month · Average wait: 14 months (724) 775-1220

See all 43 buildings in Beaver County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Ambridge

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There is 1 HUD-approved agency with an office in Beaver County; none says it serves in Spanish.

A pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in Ambridge

No down payment, repair or rent-help program on our list is for Ambridge or Beaver County. The ones below are statewide in Pennsylvania: they work in Ambridge the same as in the rest of the state.

Which programs do I qualify for? All programs in Pennsylvania

Housing counselors near Ambridge

The HUD-approved agencies closest to the center of Ambridge, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Housing Opportunities, Inc.

    293 Pinney St, Rochester · 8 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (724) 728-7511

  • Credit.org - Pittsburgh, PA Branch

    322 N Shore Dr, Pittsburgh · 15 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and credit workshops
    • and 4 more
    (800) 431-8157

  • Urban League of Greater Pittsburgh

    332 5th Ave, Pittsburgh · 16 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (412) 227-4163

Every agency in Beaver County All counseling agencies in Pennsylvania

Help in Spanish near Ambridge

1 of the 3 agencies on this list says it serves in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Ambridge

HUD’s record names them for Ambridge or Beaver County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Housing Authority of the County of Beaver Public housing and Section 8 vouchers (724) 775-1220

All housing agencies in Pennsylvania Source: HUD

Cities

Other cities in Beaver County

These cities are also in Beaver County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Beaver County Housing in Pennsylvania

Nearby cities

The cities closest to Ambridge, with the typical home value.

Neighboring counties

If Beaver County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Ambridge.

All guides
A family walks a boardwalk trail in the forest; one of them uses a wheelchair.

Questions

Housing questions about Ambridge

Short answers with the numbers for Ambridge and all of Beaver County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Ambridge?

The typical home value in Ambridge is $98,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Beaver County it is $190,900.

How much does it cost to rent in Ambridge?

Typical rent in Ambridge is $969 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Beaver County is $1,389.

What is the FHA loan limit in Ambridge?

Ambridge uses the FHA limit for all of Beaver County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Ambridge?

The typical homeowner in Ambridge pays $2,190 a year, according to the U.S. Census Bureau. That is 2.23% of the home’s value; in Beaver County, the rate is 1.42%.

Where can I find free help to buy or rent in Ambridge?

There is 1 HUD-approved counseling agency with an office in Beaver County. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).