City · 5,116 residents · Berks County, Pennsylvania
Birdsboro, Pennsylvania
In Birdsboro, a typical home is worth $224,000 and typical rent is $1,146 a month. Compared with all of Berks County, the typical home value is 13% lower and typical household income is 8% higher.
Typical home value from Zillow, September 2021 to September 2026: from $247,104 to $336,193.
Typical rent
$1,700a month
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Birdsboro is in Berks 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 Berks County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Reading, the typical home value is $121,300: 46% less than in Birdsboro ($224,000).
2
Birdsboro has the 16th largest share of rent-burdened renters of the 232 cities in Pennsylvania with more than 5,000 people (65%).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Birdsboro
What homes there are in Birdsboro, 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 houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Birdsboro
Berks County
Pennsylvania
United States
Kind of home: Birdsboro and its comparisons
Measure
Birdsboro
Berks County
Pennsylvania
United States
Detached house
45%
56%
57%
61%
Attached house
37%
23%
19%
6%
Building of 2 to 4
Unreliable estimate
8%
8%
8%
Apartments (5 or more)
Unreliable estimate
10%
13%
19%
Mobile home
Unreliable estimate
3%
4%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Birdsboro there is a bit of everything: no kind of home reaches half. The most common are detached houses (45%); in Berks County, 56%.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Birdsboro
Berks County
Pennsylvania
United States
Year built: Birdsboro and its comparisons
Measure
Birdsboro
Berks County
Pennsylvania
United States
Before 1960
46%
43%
45%
26%
1960–1979
22%
21%
22%
24%
1980–1999
31%
22%
19%
25%
2000–2009
Unreliable estimate
10%
8%
14%
2010 or later
Unreliable estimate
5%
6%
11%
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K23%
$200K–$300K50%
$300K–$500K16%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Birdsboro and its comparisons
Measure
Birdsboro
Under $100K
Unreliable estimate
$100K–$200K
23%
$200K–$300K
50%
$300K–$500K
16%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Birdsboro and its comparisons
Measure
Birdsboro
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,606 a month
Berks County: $1,800 a month
Without a mortgage
$650 a month
Berks County: $722 a month
Owners with a mortgage
64%
Berks County: 61%
Owning costs less in Birdsboro: with a mortgage, the typical cost is $1,606 a month; in Berks County, $1,800. Without one, $650.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Birdsboro+37%
Berks County+44%
Pennsylvania+41%
United States+53%
Typical rent
Birdsboro+27%
Berks County+26%
Pennsylvania+29%
United States+33%
Typical household income
Birdsboro+33%
Berks County+25%
Pennsylvania+26%
United States+29%
Change since 2015–2019: Birdsboro and its comparisons
Measure
Birdsboro
Berks County
Pennsylvania
United States
Typical home value
+37%
+44%
+41%
+53%
Typical rent
+27%
+26%
+29%
+33%
Typical household income
+33%
+25%
+26%
+29%
From 2015–2019 to 2020–2024, the typical home value in Birdsboro rose 37%; in Berks County, it rose 44%.
Rents in Birdsboro rose at about the same pace as in Berks County: 27% since 2015–2019, against 26%.
The typical household income in Birdsboro rose 33% over that time; home values changed +37% and rent +27%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Birdsboro and its comparisons
Measure
Birdsboro
Berks County
Pennsylvania
United States
Rental vacancy
Unreliable estimate
4.0%
4.9%
5.5%
Homeowner vacancy
Unreliable estimate
0.6%
0.8%
0.9%
More than one person per room
Unreliable estimate
1.7%
1.6%
3.4%
People per household
2.40
2.57
2.39
2.53
Drive alone
75%
74%
68%
69%
Carpool
Unreliable estimate
9%
8%
9%
Public transit
Unreliable estimate
1%
4%
3%
Walk or bike
Unreliable estimate
3%
4%
3%
Work from home
12%
12%
16%
15%
Other means
Unreliable estimate
2%
1%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Households in Birdsboro are smaller: 2.40 people on average; in Berks County, 2.57.
To get to work, 75% of workers in Birdsboro drive alone; in Berks County, 74%.
Do the math
What would you pay each month for a home in Birdsboro?
A typical home is tight for the typical income
We start with a typical home in Birdsboro, worth $224,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 28% of the typical household income in Birdsboro, which is $86,290 a year. For that payment to be 28% of income, a household would need to earn about $87,142 a year.
The calculator's FHA and conventional loan limits are those of all of Berks County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Birdsboro. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $7,840 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$2,033
at 7.18% · 30 years
Loan amount
$219,943
Total interest
$316,446
Paid off in
November 2056
Includes $3,783 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,013 a month
Tight
$2,013 to $2,589 a month
Your payment · 28%
Hard
more than $2,589 a month
Compared with the typical household income in Birdsboro ($86,290 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,490
Property tax
$351
Home insurance
$93
FHA mortgage insurance (MIP)
$99
You need at least $7,840 for the down payment, plus closing costs.
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.
Total monthly payment $2,033; principal and interest $1,490.
The city and its county
Birdsboro and Berks County
Birdsboro is in Berks 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).
Birdsboro
Map of Berks County, Pennsylvania, with Birdsboro marked. Around it, the neighboring counties.
Birdsboro
Berks County
Other cities with a page
Birdsboro's own numbers
Typical home value
$224,000
Typical monthly rent
$1,146
Typical yearly household income
$86,290
Households that own their home
68%
Effective property tax rate
1.88%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Berks County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,418
Price change over 5 years (FHFA)
+59%
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 Berks County.
A typical home in Birdsboro is worth $224,000: 13% below the county and 12% below Pennsylvania. With the typical household income in Birdsboro ($86,290 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.
Birdsboro2.6 years
Berks3.2 years
Pennsylvania3.3 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Berks County
According to FHFA’s house price index, home prices in Berks County rose 90% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Berks County.
Yearly change in FHFA’s price index in Berks County, 2016 to 2025
2016: +1.0% +1.0% 2016
2017: +4.3% +4.3% 2017
2018: +4.2% +4.2% 2018
2019: +3.5% +3.5% 2019
2020: +4.8% +4.8% 2020
2021: +11.5% +11.5% 2021
2022: +15.0% +15.0% 2022
2023: +10.0% +10.0% 2023
2024: +6.9% +6.9% 2024
2025: +5.6% +5.6% 2025
Change in FHFA’s price index in Berks County, Pennsylvania and the United States
Period
County
Pennsylvania
U.S.
Last year (2025)
+5.6%
+4.7%
+2.9%
5 years (2020–2025)
+59%
+48%
+47%
10 years (2015–2025)
+90%
+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
Birdsboro next to Berks 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
Birdsboro$224,000
Berks$257,300
Pennsylvania$254,500
United States$332,700
Typical monthly rent
Birdsboro$1,146
Berks$1,181
Pennsylvania$1,209
United States$1,413
Typical yearly household income
Birdsboro$86,290
Berks$79,777
Pennsylvania$77,971
United States$80,734
See the full table
Birdsboro next to Berks County and Pennsylvania
Measure
Birdsboro
Berks County
Pennsylvania
U.S.
Typical home value
$224,000 ▼13% below the county
$257,300
$254,500
$332,700
Typical monthly rent
$1,146 ▼3% below the county
$1,181
$1,209
$1,413
Typical yearly household income
$86,290 ▲8% above the county
$79,777
$77,971
$80,734
Households that own their home
68% ▼3 points below the county
71%
69%
65%
Typical yearly property tax
$4,202
$4,239
$3,311
$3,119
Effective property tax rate
1.88% ▲0.23 points above the county
1.65%
1.3%
0.94%
Renters with high rent for their income
65% ▲13 points above the county
52%
48%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Berks 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 Birdsboro
For a typical $224,000 home in Birdsboro, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Birdsboro's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,033a month
Least cash to close
Down payment
$7,840
Cash to close
$14,560
Rate
7.18%
Mortgage insurance
FHA MIP · $99
Conventional, 5% down$1,992a month
Down payment
$11,200
Cash to close
$17,920
Rate
7.18%
Mortgage insurance
PMI · $106
Conventional, 20% down, no PMI$1,658a month
Down payment
$44,800
Cash to close
$51,520
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,865a month
Down payment
$33,600
Cash to close
$40,320
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Birdsboro
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,033
$7,840
$219,943
7.18%
FHA MIP · $99
$14,560
580
Conventional, 5% down
$1,992
$11,200
$212,800
7.18%
PMI · $106
$17,920
620*
Conventional, 20% down, no PMI
$1,658
$44,800
$179,200
7.18%
None
$51,520
620*
ITIN, 15% down (example)
$1,865
$33,600
$190,400
8.18%
None
$40,320
Set by the lender
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.
Typical rent in Birdsboro is $1,146 a month: 3% below the county. In Birdsboro, 65% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Berks County, by unit size. To pay the 2-bedroom one ($1,418 a month) without spending more than 30% of your income, you would need to earn $27.27 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Berks County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$978
$18.81
$39,120
1 bedroom
$1,114
$21.42
$44,560
2 bedrooms
$1,418
$27.27
$56,720
3 bedrooms
$1,744
$33.54
$69,760
4 bedrooms
$1,877
$36.10
$75,080
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 Birdsboro
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Birdsboro is in ZIP code 19508.
For 2 bedrooms it is $1,420: $2 more than the fair market rent for Berks County ($1,418).
Fair market rent by ZIP code and size in Birdsboro, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
19508
$980
$1,120
$1,420
$1,750
$1,880
ZIP code2 bd3 bd
19508 $1,420$1,750
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Birdsboro 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 2 buildings with rents for lower incomes in Birdsboro. These are the largest.
River Run Meadows ApartmentsSpring Grove CT, Birdsboro 1950858 low-income homes · 1 bd: 22 · 2 bd: 20 · 3 bd: 16 · In service since 2017 · For families
River Run Meadows190 Spring Grove Ct, Birdsboro 1950853 homes, 5 low-income(717) 396-0889
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 2 HUD-approved agencies with an office in Berks County; 2 say they serve in Spanish.
No down payment, repair or rent-help program on our list is for Birdsboro or Berks County. The ones below are statewide in Pennsylvania: they work in Birdsboro the same as in the rest of the state.
Pennsylvania state agency loan for the down payment and closing costs: up to 4% of the price or $6,000, at 0%, repaid over 10 years.Offered by Pennsylvania Housing Finance Agency (PHFA).
PHFA second loan of 5% of the price (or the appraised value, whichever is lower) for the down payment and closing costs, forgiven 10% each year over ten years; it goes with the Keystone Home Loan mortgage.Offered by Pennsylvania Housing Finance Agency (PHFA).
PHFA 0% second loan with no monthly payments, of 5% of the price (8% if the loan is $150,000 or less, as funds allow) for the down payment and closing costs; repaid when you sell, refinance or pay off the mortgage.Offered by Pennsylvania Housing Finance Agency (PHFA).
No legal help resource on our list is for Birdsboro or Berks County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Birdsboro and all of Berks 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 Birdsboro?
The typical home value in Birdsboro is $224,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Berks County it is $257,300.
How much does it cost to rent in Birdsboro?
Typical rent in Birdsboro is $1,146 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Berks County is $1,418.
What is the FHA loan limit in Birdsboro?
Birdsboro uses the FHA limit for all of Berks 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 Birdsboro?
The typical homeowner in Birdsboro pays $4,202 a year, according to the U.S. Census Bureau. That is 1.88% of the home’s value; in Berks County, the rate is 1.65%.
Where can I find free help to buy or rent in Birdsboro?
There are 2 HUD-approved counseling agencies with an office in Berks County. 2 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.
