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City · 7,683 residents · McKean County, Pennsylvania

Bradford , Pennsylvania

In Bradford, a typical home is worth $85,600 and typical rent is $800 a month. Compared with all of McKean County, the typical home value is 18% lower, typical household income is 11% lower, and the share of households that own their home is 20 points lower.

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  • Typical home value

    $85,600

    18% below the county

    66% below Pennsylvania

    • Bradford
    • McKean
    • Pennsylvania

  • Typical rent

    $800a month

    About the same as the county

    34% below Pennsylvania

    • Bradford
    • McKean
    • Pennsylvania

  • Typical household income

    $56,161a year

    11% below the county

    28% below Pennsylvania

    • Bradford
    • McKean
    • Pennsylvania

  • Households that own their home

    58%

    20 points below the county

    11 points below Pennsylvania

    • Bradford
    • McKean
    • Pennsylvania

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

Bradford is in McKean 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 McKean County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Bradford apart

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

  1. 58% of households in Bradford own their home, against 78% in McKean County.

  2. Bradford has the 15th lowest typical home value of the 273 cities in Pennsylvania with more than 5,000 people ($85,600).

  3. Nearby, in Titusville, the typical rent is $662: 17% less than in Bradford ($800).

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

The homes here

Housing in Bradford

What homes there are in Bradford, 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 are the majority in Bradford (72%), but less so than in McKean County (79%).

Year built

Old homes abound here: at least half date from before 1940, and 79% were built before 1960.

Homes in Bradford are smaller: 59% have 3 bedrooms or more; in McKean County, 64%.

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

$1,055 a month

McKean County: $1,146 a month

Without a mortgage

$509 a month

McKean County: $492 a month

Owners with a mortgage

46%

McKean County: 46%

The typical cost for an owner with a mortgage in Bradford is $1,055 a month, less than in McKean County ($1,146); without one, $509.

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

The typical home value in Bradford rose 51% since 2015–2019, more than in McKean County (30%).

Since 2015–2019, the typical rent in Bradford rose 27%, more than in McKean County (23%).

To compare: typical income in Bradford rose 50%; the home, +51%; the rent, +27%.

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

MeasureBradfordMcKean CountyPennsylvaniaUnited States
Rental vacancy Unreliable estimateUnreliable estimate4.9%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.8%0.9%
More than one person per room Unreliable estimateUnreliable estimate1.6%3.4%
People per household 2.312.262.392.53
Drive alone 76%79%68%69%
Carpool Unreliable estimate8%8%9%
Public transit Unreliable estimate1%4%3%
Walk or bike 7%5%4%3%
Work from home Unreliable estimate5%16%15%
Other means Unreliable estimate1%1%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

By size, households in Bradford look like those in McKean County: 2.31 people on average.

The car rules in Bradford: 76% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.

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 Bradford?

A typical home is within reach of the typical income

We start with a typical home in Bradford, worth $85,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 17% of the typical household income in Bradford, which is $56,161 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Bradford. 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 $2,996 (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

$801

at 7.18% · 30 years

Loan amount
$84,050
Total interest
$120,928
Paid off in
November 2056

Includes $1,446 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,310 a month

    Your payment · 17%

  • Tight

    $1,310 to $1,685 a month

  • Hard

    more than $1,685 a month

Compared with the typical household income in Bradford ($56,161 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$801
Principal & interest$569
Property tax$158
Home insurance$36
FHA mortgage insurance (MIP)$38

You need at least $2,996 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

Bradford and McKean County

Bradford is in McKean 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).

Bradford's own numbers

Typical home value
$85,600
Typical monthly rent
$800
Typical yearly household income
$56,161
Households that own their home
58%
Effective property tax rate
2.22%

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

Numbers for all of McKean County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,014
Price change over 5 years (FHFA)
+39%
Homes in a high flood-risk zone
5.5%

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 McKean County.

Everything about McKean County

Buying

Buying a home in Bradford

A typical home in Bradford is worth $85,600: 18% below the county and 66% below Pennsylvania. With the typical household income in Bradford ($56,161 a year), a typical home costs 1.5 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.

  • Bradford 1.5 years
  • McKean 1.7 years
  • Pennsylvania 3.3 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in McKean County

According to FHFA’s house price index, home prices in McKean County rose 66% in the 10 years through 2025.

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

Period County Pennsylvania U.S.
Last year (2025) +4.1% +4.7% +2.9%
5 years (2020–2025) +39% +48% +47%
10 years (2015–2025) +66% +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

Bradford next to McKean 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
  • Bradford $85,600
  • McKean $104,500
  • Pennsylvania $254,500
  • United States $332,700
Typical monthly rent
  • Bradford $800
  • McKean $809
  • Pennsylvania $1,209
  • United States $1,413
Typical yearly household income
  • Bradford $56,161
  • McKean $62,905
  • Pennsylvania $77,971
  • United States $80,734
See the full table
Bradford next to McKean County and Pennsylvania
Measure Bradford McKean County Pennsylvania U.S.
Typical home value $85,600 $104,500 $254,500 $332,700
Typical monthly rent $800 $809 $1,209 $1,413
Typical yearly household income $56,161 $62,905 $77,971 $80,734
Households that own their home 58% 78% 69% 65%
Typical yearly property tax $1,904 $1,660 $3,311 $3,119
Effective property tax rate 2.22% 1.59% 1.3% 0.94%
Renters with high rent for their income 39% 42% 48% 51%

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

For a typical $85,600 home in Bradford, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Bradford's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $801a month

    Least cash to close
    Down payment
    $2,996
    Cash to close
    $5,564
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $38

  • Conventional, 5% down $786a month

    Down payment
    $4,280
    Cash to close
    $6,848
    Rate
    7.18%
    Mortgage insurance
    PMI · $41

  • Conventional, 20% down, no PMI $658a month

    Down payment
    $17,120
    Cash to close
    $19,688
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $737a month

    Down payment
    $12,840
    Cash to close
    $15,408
    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 Bradford and for McKean County.

Property tax

Effective rate in Bradford

2.22%of the home’s value each year

$1,904 a year for the typical owner in Bradford.

  • Bradford 2.22%
  • McKean 1.59%
  • Pennsylvania 1.3%

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

Exemptions and deadlines in Pennsylvania

Flood risk in McKean County

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

Homes in the high-risk zone
5.5%
931
Of those, with NFIP insurance
16%
County Pennsylvania U.S.
Homes in the high-risk zone 5.5% 2% 3.5%
Of those, with NFIP insurance 16% 23% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Bradford

Typical rent in Bradford is $800 a month: about the same as the county. In Bradford, 39% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of McKean County, by unit size. To pay the 2-bedroom one ($1,014 a month) without spending more than 30% of your income, you would need to earn $19.50 an hour working full time.

HUD fair market rent for all of McKean 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 $749 $14.40 $29,960
1 bedroom $891 $17.13 $35,640
2 bedrooms $1,014 $19.50 $40,560
3 bedrooms $1,232 $23.69 $49,280
4 bedrooms $1,521 $29.25 $60,840

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 Bradford

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Bradford is in ZIP code 16701.

For 2 bedrooms it is $1,020: $6 more than the fair market rent for McKean County ($1,014).

  • 16701 $1,020$1,240

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

HUD lists 4 buildings with rents for lower incomes in Bradford. These are the largest.

  • R.C. Denning Memorial 2 Bushnell St, Bradford 16701 128 low-income homes · Run by Housing Authority of the County of Mckean · Average payment: $283 a month · Average wait: 6 months (814) 887-5563
  • Emery Towers 2 South Ave, Bradford 16701 102 homes, 101 low-income · For older adults (814) 368-3342
  • Foster TWP HSG 1 Riley Rd, Bradford 16701 80 low-income homes · Run by Housing Authority of the County of Mckean · Average payment: $430 a month · Average wait: 22 months (814) 887-5563
  • Kiwanis Court 8 Kiwanis Ct, Bradford 16701 50 low-income homes · For families (814) 368-3342

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

Free help

Help to buy or rent in Bradford

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 McKean County. The nearest ones are below; many serve by phone or online.

A man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Bradford

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

Which programs do I qualify for? All programs in Pennsylvania

Housing counselors near Bradford

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

  • Saint Martin Center, Inc

    1701 Parade St, Erie · 74 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    814-452-6113-213

  • Greater Erie Community Action Agency

    18 W 9th St, Erie · 75 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (814) 459-4581

  • Center for Family Services, Incorporated

    996 S Main St, Meadville · 81 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (814) 337-8450

All counseling agencies in Pennsylvania

Help in Spanish near Bradford

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 Bradford

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

  • Housing Authority of the County of Mckean Public housing and Section 8 vouchers (814) 887-5563

All housing agencies in Pennsylvania Source: HUD

Cities

Nearby cities

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

Everything about McKean County Housing in Pennsylvania

Neighboring counties

If McKean 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 Bradford.

All guides
A father, a mother and their daughter smile among the avocado trees by their home in Somis, California.

Questions

Housing questions about Bradford

Short answers with the numbers for Bradford and all of McKean 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 Bradford?

The typical home value in Bradford is $85,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in McKean County it is $104,500.

How much does it cost to rent in Bradford?

Typical rent in Bradford is $800 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in McKean County is $1,014.

What is the FHA loan limit in Bradford?

Bradford uses the FHA limit for all of McKean 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 Bradford?

The typical homeowner in Bradford pays $1,904 a year, according to the U.S. Census Bureau. That is 2.22% of the home’s value; in McKean County, the rate is 1.59%.

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

We found no HUD-approved counseling agencies with an office in McKean 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).