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City · 7,777 residents · Lehigh County, Pennsylvania

Ancient Oaks , Pennsylvania

In Ancient Oaks, a typical home is worth $432,800 and typical rent is $1,842 a month. Compared with all of Lehigh County, typical household income is 68% higher, the typical home value is 44% higher, and the share of households that own their home is 14 points higher.

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  • Typical home value

    $432,800

    44% above the county

    70% above Pennsylvania

    • Ancient Oaks
    • Lehigh
    • Pennsylvania

  • Typical rent

    $1,842a month

    33% above the county

    52% above Pennsylvania

    • Ancient Oaks
    • Lehigh
    • Pennsylvania

  • Typical household income

    $134,375a year

    68% above the county

    72% above Pennsylvania

    • Ancient Oaks
    • Lehigh
    • Pennsylvania

  • Households that own their home

    79%

    14 points above the county

    10 points above Pennsylvania

    • Ancient Oaks
    • Lehigh
    • Pennsylvania

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

Ancient Oaks is in Lehigh 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 Lehigh County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Ancient Oaks apart

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

  1. The typical household income in Ancient Oaks is $134,375, 68% more than in Lehigh County as a whole ($80,079).

  2. Nearby, in Allentown, the typical home value is $206,600: 52% less than in Ancient Oaks ($432,800).

  3. The typical home in Ancient Oaks is worth $432,800, 44% more than in Lehigh County as a whole ($300,400).

  4. Nearby, in Allentown, the typical rent is $1,317: 29% less than in Ancient Oaks ($1,842).

  5. The typical rent in Ancient Oaks is $1,842 a month, 33% more than in Lehigh County as a whole ($1,383).

  6. 79% of households in Ancient Oaks own their home, against 66% in Lehigh County.

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

The homes here

Housing in Ancient Oaks

What homes there are in Ancient Oaks, 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

Detached houses, standing on their own, make up 70% of homes here, against 50% in Lehigh County.

Year built

Homes in Ancient Oaks are newer: the typical year built is 1997; in Lehigh County, 1968.

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

$2,554 a month

Lehigh County: $1,885 a month

Without a mortgage

$889 a month

Lehigh County: $765 a month

Owners with a mortgage

72%

Lehigh County: 64%

The typical cost for an owner with a mortgage in Ancient Oaks is $2,554 a month, more than in Lehigh County ($1,885); without one, $889.

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, the typical home value in Ancient Oaks rose 48%; in Lehigh County, it rose 44%.

Rents in Ancient Oaks rose more slowly than in Lehigh County: 18% since 2015–2019, against 29%.

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

MeasureAncient OaksLehigh CountyPennsylvaniaUnited States
Rental vacancy Unreliable estimate3.7%4.9%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.8%0.9%
More than one person per room Unreliable estimate2.0%1.6%3.4%
People per household 3.042.562.392.53
Drive alone 69%73%68%69%
Carpool 5%8%8%9%
Public transit Unreliable estimate1%4%3%
Walk or bike Unreliable estimate2%4%3%
Work from home 23%14%16%15%
Other means Unreliable estimate2%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

More people live in each home here: 3.04 on average, against 2.56 in Lehigh County.

Working from home is more common in Ancient Oaks: 23%, against 14% in Lehigh County.

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 Ancient Oaks?

A typical home is tight for the typical income

We start with a typical home in Ancient Oaks, worth $432,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 34% of the typical household income in Ancient Oaks, which is $134,375 a year. For that payment to be 28% of income, a household would need to earn about $161,415 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Ancient Oaks. 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 $15,148 (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

$3,766

at 7.18% · 30 years

Loan amount
$424,961
Total interest
$611,419
Paid off in
November 2056

Includes $7,309 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,135 a month

  • Tight

    $3,135 to $4,031 a month

    Your payment · 34%

  • Hard

    more than $4,031 a month

Compared with the typical household income in Ancient Oaks ($134,375 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,766
Principal & interest$2,879
Property tax$516
Home insurance$180
FHA mortgage insurance (MIP)$191

You need at least $15,148 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

Ancient Oaks and Lehigh County

Ancient Oaks is in Lehigh 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).

Ancient Oaks's own numbers

Typical home value
$432,800
Typical monthly rent
$1,842
Typical yearly household income
$134,375
Households that own their home
79%
Effective property tax rate
1.43%

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

Numbers for all of Lehigh County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,839
Price change over 5 years (FHFA)
+61%
Homes in a high flood-risk zone
1%

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 Lehigh County.

Everything about Lehigh County

Buying

Buying a home in Ancient Oaks

A typical home in Ancient Oaks is worth $432,800: 44% above the county and 70% above Pennsylvania. With the typical household income in Ancient Oaks ($134,375 a year), a typical home costs 3.2 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.

  • Ancient Oaks 3.2 years
  • Lehigh 3.8 years
  • Pennsylvania 3.3 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Lehigh County

According to FHFA’s house price index, home prices in Lehigh County rose 95% in the 10 years through 2025.

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

Period County Pennsylvania U.S.
Last year (2025) +6.1% +4.7% +2.9%
5 years (2020–2025) +61% +48% +47%
10 years (2015–2025) +95% +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

Ancient Oaks next to Lehigh 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
  • Ancient Oaks $432,800
  • Lehigh $300,400
  • Pennsylvania $254,500
  • United States $332,700
Typical monthly rent
  • Ancient Oaks $1,842
  • Lehigh $1,383
  • Pennsylvania $1,209
  • United States $1,413
Typical yearly household income
  • Ancient Oaks $134,375
  • Lehigh $80,079
  • Pennsylvania $77,971
  • United States $80,734
See the full table
Ancient Oaks next to Lehigh County and Pennsylvania
Measure Ancient Oaks Lehigh County Pennsylvania U.S.
Typical home value $432,800 $300,400 $254,500 $332,700
Typical monthly rent $1,842 $1,383 $1,209 $1,413
Typical yearly household income $134,375 $80,079 $77,971 $80,734
Households that own their home 79% 66% 69% 65%
Typical yearly property tax $6,198 $4,651 $3,311 $3,119
Effective property tax rate 1.43% 1.55% 1.3% 0.94%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Lehigh 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 Ancient Oaks

For a typical $432,800 home in Ancient Oaks, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Ancient Oaks's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,766a month

    Least cash to close
    Down payment
    $15,148
    Cash to close
    $28,132
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $191

  • Conventional, 5% down $3,687a month

    Down payment
    $21,640
    Cash to close
    $34,624
    Rate
    7.18%
    Mortgage insurance
    PMI · $206

  • Conventional, 20% down, no PMI $3,042a month

    Down payment
    $86,560
    Cash to close
    $99,544
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,442a month

    Down payment
    $64,920
    Cash to close
    $77,904
    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 Ancient Oaks and for Lehigh County.

Property tax

Effective rate in Ancient Oaks

1.43%of the home’s value each year

$6,198 a year for the typical owner in Ancient Oaks.

  • Ancient Oaks 1.43%
  • Lehigh 1.55%
  • Pennsylvania 1.3%

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

Exemptions and deadlines in Pennsylvania

Flood risk in Lehigh County

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

Homes in the high-risk zone
1%
1,167
Of those, with NFIP insurance
23%
County Pennsylvania U.S.
Homes in the high-risk zone 1% 2% 3.5%
Of those, with NFIP insurance 23% 23% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Ancient Oaks

Typical rent in Ancient Oaks is $1,842 a month: 33% above the county.

HUD publishes a fair market rent for all of Lehigh County, by unit size. To pay the 2-bedroom one ($1,839 a month) without spending more than 30% of your income, you would need to earn $35.37 an hour working full time.

HUD fair market rent for all of Lehigh 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 $1,302 $25.04 $52,080
1 bedroom $1,519 $29.21 $60,760
2 bedrooms $1,839 $35.37 $73,560
3 bedrooms $2,306 $44.35 $92,240
4 bedrooms $2,482 $47.73 $99,280

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 Ancient Oaks

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Ancient Oaks is in ZIP code 18062.

For 2 bedrooms it is $2,550: $711 more than the fair market rent for Lehigh County ($1,839).

  • 18062 $2,550$3,190

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Ancient Oaks 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?

Free help

Help to buy or rent in Ancient Oaks

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.

We found no HUD-approved agencies with an office in Lehigh County. The nearest ones are below; many serve by phone or online.

An older man and his daughter go over papers with a professional.

HUD counseling is free or low-cost

Assistance programs in Ancient Oaks

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

Which programs do I qualify for? All programs in Pennsylvania

Housing counselors near Ancient Oaks

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

  • Community Action Committee of Lehigh Valley, Inc.

    1337 E 5th St, Bethlehem · 13 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 5 more
    (610) 691-5620

  • Greater Community Development Corporation

    403 Pastor Fred Davis St, Easton · 22 miles away

    • Budget and financial counseling
    • Pre-purchase counseling
    (610) 596-1134

  • Neighborhood Housing Services of Greater Berks, Inc.

    210 N 5th St, Reading · 23 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 2 more
    (610) 372-8433

All counseling agencies in Pennsylvania

Help in Spanish near Ancient Oaks

2 of the 3 agencies on this list say they serve 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 Ancient Oaks

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

  • Lehigh County Housing Authority Public housing and Section 8 vouchers (610) 965-4514

One other authority has an office in Lehigh County: see the list Source: HUD

Cities

Other cities in Lehigh County

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

Everything about Lehigh County Housing in Pennsylvania

Nearby cities

The cities closest to Ancient Oaks, with the typical home value.

Neighboring counties

If Lehigh 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 Ancient Oaks.

All guides
A mother holding her baby watches her daughter blow bubbles outdoors.

Questions

Housing questions about Ancient Oaks

Short answers with the numbers for Ancient Oaks and all of Lehigh 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 Ancient Oaks?

The typical home value in Ancient Oaks is $432,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Lehigh County it is $300,400.

How much does it cost to rent in Ancient Oaks?

Typical rent in Ancient Oaks is $1,842 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Lehigh County is $1,839.

What is the FHA loan limit in Ancient Oaks?

Ancient Oaks uses the FHA limit for all of Lehigh 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 Ancient Oaks?

The typical homeowner in Ancient Oaks pays $6,198 a year, according to the U.S. Census Bureau. That is 1.43% of the home’s value; in Lehigh County, the rate is 1.55%.

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

We found no HUD-approved counseling agencies with an office in Lehigh County; the nearest ones are on this page. 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).