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City · 21,057 residents · Allegheny County, Pennsylvania

Baldwin , Pennsylvania

In Baldwin, a typical home is worth $208,400 and typical rent is $1,066 a month. Compared with all of Allegheny County, the typical home value is 8% lower, typical rent is 8% lower, and the share of households that own their home is 13 points higher.

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  • Typical home value

    $208,400

    8% below the county

    18% below Pennsylvania

    • Baldwin
    • Allegheny
    • Pennsylvania

  • Typical rent

    $1,066a month

    8% below the county

    12% below Pennsylvania

    • Baldwin
    • Allegheny
    • Pennsylvania

  • Typical household income

    $80,983a year

    3% above the county

    4% above Pennsylvania

    • Baldwin
    • Allegheny
    • Pennsylvania

  • Households that own their home

    78%

    13 points above the county

    9 points above Pennsylvania

    • Baldwin
    • Allegheny
    • Pennsylvania

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

Baldwin is in Allegheny 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 Allegheny County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Baldwin apart

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

  1. Nearby, in Munhall, the typical home value is $132,100: 37% less than in Baldwin ($208,400).

  2. Nearby, in Munhall, the typical rent is $780: 27% less than in Baldwin ($1,066).

  3. 78% of households in Baldwin own their home, against 65% in Allegheny County.

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

The homes here

Housing in Baldwin

What homes there are in Baldwin, 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

The detached house rules in Baldwin: 75% of homes, more than in Allegheny County (62%).

Year built

The typical year built in Baldwin is 1959, about the same as in Allegheny County (1957).

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

The FHA limit for Allegheny County is high ($541,287): at least 99% of owner-occupied homes in Baldwin are worth less than $500,000.

Monthly rent with utilities

With a mortgage

$1,595 a month

Allegheny County: $1,685 a month

Without a mortgage

$651 a month

Allegheny County: $654 a month

Owners with a mortgage

61%

Allegheny County: 58%

The typical cost for an owner with a mortgage in Baldwin is $1,595 a month, less than in Allegheny County ($1,685); without one, $651.

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 Baldwin rose 54%; in Allegheny County, it rose 47%.

The typical rent in Baldwin rose 34% over the same time; in Allegheny County, it rose 30%.

Here income did not keep up with housing: it rose 24%, while home values changed +54% and rent +34%.

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

MeasureBaldwinAllegheny CountyPennsylvaniaUnited States
Rental vacancy Unreliable estimate6.8%4.9%5.5%
Homeowner vacancy Unreliable estimate0.9%0.8%0.9%
More than one person per room Unreliable estimate1.0%1.6%3.4%
People per household 2.352.202.392.53
Drive alone 70%62%68%69%
Carpool 10%6%8%9%
Public transit Unreliable estimate5%4%3%
Walk or bike Unreliable estimate4%4%3%
Work from home 16%21%16%15%
Other means Unreliable estimate1%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Baldwin has 2.35 people, more than in Allegheny County (2.20).

Carpooling is common in Baldwin: 10% of workers get to work that way, against 6% in Allegheny 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 Baldwin?

A typical home is within reach of the typical income

We start with a typical home in Baldwin, worth $208,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 27% of the typical household income in Baldwin, which is $80,983 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Baldwin. 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 $7,294 (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

$1,855

at 7.18% · 30 years

Loan amount
$204,625
Total interest
$294,408
Paid off in
November 2056

Includes $3,519 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,890 a month

    Your payment · 27%

  • Tight

    $1,890 to $2,429 a month

  • Hard

    more than $2,429 a month

Compared with the typical household income in Baldwin ($80,983 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,855
Principal & interest$1,386
Property tax$290
Home insurance$87
FHA mortgage insurance (MIP)$92

You need at least $7,294 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

Baldwin and Allegheny County

Baldwin is in Allegheny 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).

Baldwin's own numbers

Typical home value
$208,400
Typical monthly rent
$1,066
Typical yearly household income
$80,983
Households that own their home
78%
Effective property tax rate
1.67%

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

Numbers for all of Allegheny 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)
+40%
Homes in a high flood-risk zone
0.9%

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 Allegheny County.

Everything about Allegheny County

Buying

Buying a home in Baldwin

A typical home in Baldwin is worth $208,400: 8% below the county and 18% below Pennsylvania. With the typical household income in Baldwin ($80,983 a year), a typical home costs 2.6 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.

  • Baldwin 2.6 years
  • Allegheny 2.9 years
  • Pennsylvania 3.3 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Allegheny County

According to FHFA’s house price index, home prices in Allegheny County rose 76% in the 10 years through 2025.

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

Period County Pennsylvania U.S.
Last year (2025) +3.2% +4.7% +2.9%
5 years (2020–2025) +40% +48% +47%
10 years (2015–2025) +76% +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

Baldwin next to Allegheny 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
  • Baldwin $208,400
  • Allegheny $227,600
  • Pennsylvania $254,500
  • United States $332,700
Typical monthly rent
  • Baldwin $1,066
  • Allegheny $1,153
  • Pennsylvania $1,209
  • United States $1,413
Typical yearly household income
  • Baldwin $80,983
  • Allegheny $78,548
  • Pennsylvania $77,971
  • United States $80,734
See the full table
Baldwin next to Allegheny County and Pennsylvania
Measure Baldwin Allegheny County Pennsylvania U.S.
Typical home value $208,400 $227,600 $254,500 $332,700
Typical monthly rent $1,066 $1,153 $1,209 $1,413
Typical yearly household income $80,983 $78,548 $77,971 $80,734
Households that own their home 78% 65% 69% 65%
Typical yearly property tax $3,470 $3,451 $3,311 $3,119
Effective property tax rate 1.67% 1.52% 1.3% 0.94%
Renters with high rent for their income 44% 46% 48% 51%

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

For a typical $208,400 home in Baldwin, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Baldwin's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,855a month

    Least cash to close
    Down payment
    $7,294
    Cash to close
    $13,546
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $92

  • Conventional, 5% down $1,817a month

    Down payment
    $10,420
    Cash to close
    $16,672
    Rate
    7.18%
    Mortgage insurance
    PMI · $99

  • Conventional, 20% down, no PMI $1,506a month

    Down payment
    $41,680
    Cash to close
    $47,932
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,699a month

    Down payment
    $31,260
    Cash to close
    $37,512
    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 Baldwin and for Allegheny County.

Property tax

Effective rate in Baldwin

1.67%of the home’s value each year

$3,470 a year for the typical owner in Baldwin.

  • Baldwin 1.67%
  • Allegheny 1.52%
  • Pennsylvania 1.3%

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

Exemptions and deadlines in Pennsylvania

Flood risk in Allegheny County

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

Homes in the high-risk zone
0.9%
4,261
Of those, with NFIP insurance
28%
County Pennsylvania U.S.
Homes in the high-risk zone 0.9% 2% 3.5%
Of those, with NFIP insurance 28% 23% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Baldwin

Typical rent in Baldwin is $1,066 a month: 8% below the county. In Baldwin, 44% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Allegheny 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 Allegheny 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 Baldwin

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Baldwin has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,160 in 15227 to $1,470 in 15236.

1 of the 2 is above the fair market rent for Allegheny County ($1,389).

  • 15227 $1,160$1,480
  • 15236 $1,470$1,880

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Baldwin 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 Baldwin

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 are 6 HUD-approved agencies with an office in Allegheny County; 2 say they serve 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 Baldwin

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

Which programs do I qualify for? All programs in Pennsylvania

Housing counselors near Baldwin

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

  • Mon Valley Initiative

    303-305 E. 8th Avenue, Homestead · 3 miles away · Spanish

    Also serves in American Sign Language (ASL), French, Korean, other languages, and 4 more languages.

    • Mortgage delinquency and default
    • Pre-purchase counseling
    • and 2 more
    412-464-4000-4026

  • Advantage Credit Counseling Service

    2403 Sidney St Ste 250, Pittsburgh · 4 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 2 more
    (888) 511-2227

  • Urban League of Greater Pittsburgh

    332 5th Ave, Pittsburgh · 5 miles away

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

Every agency in Allegheny County All counseling agencies in Pennsylvania

Help in Spanish near Baldwin

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 Baldwin

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

  • Allegheny County Housing Authority Public housing and Section 8 vouchers (412) 355-8940

2 other authorities have an office in Allegheny County: see the list Source: HUD

Cities

Other cities in Allegheny County

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

Everything about Allegheny County Housing in Pennsylvania
See 21 more cities in Allegheny County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

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

Neighboring counties

If Allegheny 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 Baldwin.

All guides
Two parents walk hand in hand with their little daughter.

Questions

Housing questions about Baldwin

Short answers with the numbers for Baldwin and all of Allegheny 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 Baldwin?

The typical home value in Baldwin is $208,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Allegheny County it is $227,600.

How much does it cost to rent in Baldwin?

Typical rent in Baldwin is $1,066 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Allegheny County is $1,389.

What is the FHA loan limit in Baldwin?

Baldwin uses the FHA limit for all of Allegheny 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 Baldwin?

The typical homeowner in Baldwin pays $3,470 a year, according to the U.S. Census Bureau. That is 1.67% of the home’s value; in Allegheny County, the rate is 1.52%.

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

There are 6 HUD-approved counseling agencies with an office in Allegheny County. 2 say they serve in Spanish. 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).