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City · 7,978 residents · Allegheny County, Pennsylvania

Carnegie , Pennsylvania

In Carnegie, a typical home is worth $171,500 and typical rent is $890 a month. Compared with all of Allegheny County, the typical home value is 25% lower, typical rent is 23% lower, and the share of households that own their home is 12 points lower.

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  • Typical home value

    $171,500

    25% below the county

    33% below Pennsylvania

    • Carnegie
    • Allegheny
    • Pennsylvania

  • Typical rent

    $890a month

    23% below the county

    26% below Pennsylvania

    • Carnegie
    • Allegheny
    • Pennsylvania

  • Typical household income

    $67,656a year

    14% below the county

    13% below Pennsylvania

    • Carnegie
    • Allegheny
    • Pennsylvania

  • Households that own their home

    54%

    12 points below the county

    16 points below Pennsylvania

    • Carnegie
    • Allegheny
    • Pennsylvania

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

Market now, with Zillow data

Zillow data
Typical home value
$221,851
0.8% less than 12 months ago
Typical rent
$1,247 a month
6.2% more than 12 months ago

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

Carnegie 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 Carnegie apart

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

  1. Nearby, in McKees Rocks, the typical home value is $75,600: 56% less than in Carnegie ($171,500).

  2. Carnegie has the 10th smallest share of rent-burdened renters of the 232 cities in Pennsylvania with more than 5,000 people (32%).

  3. The typical home in Carnegie is worth $171,500, 25% less than in Allegheny County as a whole ($227,600).

  4. The typical rent in Carnegie is $890 a month, 23% less than in Allegheny County as a whole ($1,153).

  5. According to Zillow, in the 12 months to September 2026 the typical home value in Carnegie fell 0.8%; in Pennsylvania, it rose 2.2%.

  6. 54% of households in Carnegie own their home, against 65% in Allegheny County.

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Carnegie

What homes there are in Carnegie, 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 is still the most common home in Carnegie, but it weighs less than in Allegheny County: 53% against 62%.

Year built

In Carnegie, half of the homes were built before 1952; in Allegheny County, before 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

At least 100% of owner-occupied homes in Carnegie are worth less than $500,000, below the FHA loan limit for Allegheny County ($541,287).

Monthly rent with utilities

HUD's 2-bedroom fair market rent (FMR) for Allegheny County is $1,389; about 80% of rents in Carnegie are below it.

With a mortgage

$1,517 a month

Allegheny County: $1,685 a month

Without a mortgage

$631 a month

Allegheny County: $654 a month

Owners with a mortgage

63%

Allegheny County: 58%

The typical cost for an owner with a mortgage in Carnegie is $1,517 a month, less than in Allegheny County ($1,685); without one, $631.

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 Carnegie rose 39%; in Allegheny County, it rose 47%.

Since 2015–2019, the typical rent in Carnegie rose 17%, less than in Allegheny County (30%).

To compare: typical income in Carnegie rose 29%; the home, +39%; the rent, +17%.

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

MeasureCarnegieAllegheny 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 1.892.202.392.53
Drive alone 65%62%68%69%
Carpool 6%6%8%9%
Public transit 5%5%4%3%
Walk or bike Unreliable estimate4%4%3%
Work from home 22%21%16%15%
Other means Unreliable estimate1%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in Carnegie are smaller: 1.89 people on average; in Allegheny County, 2.20.

To get to work, 65% of workers in Carnegie drive alone; in Allegheny County, 62%.

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 Carnegie?

A typical home is within reach of the typical income

We start with a typical home in Carnegie, worth $171,500, 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 Carnegie, which is $67,656 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 Carnegie. 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 $6,003 (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

$1,558

at 7.18% · 30 years

Loan amount
$168,393
Total interest
$242,278
Paid off in
November 2056

Includes $2,896 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,579 a month

    Your payment · 28%

  • Tight

    $1,579 to $2,030 a month

  • Hard

    more than $2,030 a month

Compared with the typical household income in Carnegie ($67,656 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,558
Principal & interest$1,141
Property tax$270
Home insurance$72
FHA mortgage insurance (MIP)$76

You need at least $6,003 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

Carnegie and Allegheny County

Carnegie 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).

Carnegie's own numbers

Typical home value
$171,500
Typical monthly rent
$890
Typical yearly household income
$67,656
Households that own their home
54%
Effective property tax rate
1.89%

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 Carnegie

A typical home in Carnegie is worth $171,500: 25% below the county and 33% below Pennsylvania. With the typical household income in Carnegie ($67,656 a year), a typical home costs 2.5 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.

  • Carnegie 2.5 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

Carnegie 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
  • Carnegie $171,500
  • Allegheny $227,600
  • Pennsylvania $254,500
  • United States $332,700
Typical monthly rent
  • Carnegie $890
  • Allegheny $1,153
  • Pennsylvania $1,209
  • United States $1,413
Typical yearly household income
  • Carnegie $67,656
  • Allegheny $78,548
  • Pennsylvania $77,971
  • United States $80,734
See the full table
Carnegie next to Allegheny County and Pennsylvania
Measure Carnegie Allegheny County Pennsylvania U.S.
Typical home value $171,500 $227,600 $254,500 $332,700
Typical monthly rent $890 $1,153 $1,209 $1,413
Typical yearly household income $67,656 $78,548 $77,971 $80,734
Households that own their home 54% 65% 69% 65%
Typical yearly property tax $3,242 $3,451 $3,311 $3,119
Effective property tax rate 1.89% 1.52% 1.3% 0.94%
Renters with high rent for their income 32% 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 Carnegie

For a typical $171,500 home in Carnegie, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Carnegie's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,558a month

    Least cash to close
    Down payment
    $6,003
    Cash to close
    $11,148
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $76

  • Conventional, 5% down $1,527a month

    Down payment
    $8,575
    Cash to close
    $13,720
    Rate
    7.18%
    Mortgage insurance
    PMI · $81

  • Conventional, 20% down, no PMI $1,271a month

    Down payment
    $34,300
    Cash to close
    $39,445
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,430a month

    Down payment
    $25,725
    Cash to close
    $30,870
    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 Carnegie and for Allegheny County.

Property tax

Effective rate in Carnegie

1.89%of the home’s value each year

$3,242 a year for the typical owner in Carnegie.

  • Carnegie 1.89%
  • 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 Carnegie

Typical rent in Carnegie is $890 a month: 23% below the county. In Carnegie, 32% 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 Carnegie

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Carnegie is in ZIP code 15106.

For 2 bedrooms it is $1,330: $59 less than the fair market rent for Allegheny County ($1,389).

  • 15106 $1,330$1,700

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

HUD lists 5 buildings with rents for lower incomes in Carnegie. These are the largest.

  • The Beechwood 820 Capitol Dr, Carnegie 15106 176 homes, 173 low-income · For families (412) 276-6677
  • Honus Wagner Plaza 1 3rd Ave, Carnegie 15106 129 homes, 128 low-income · For older adults (412) 276-8899
  • School House Retirement Residence 200 Railroad Ave, Carnegie 15106 59 homes, 58 low-income · Studio: 14 · 1 bd: 45 · In service since 1995 · For older adults
  • Carnegie Apartments 514 Lydia St, Carnegie 15106 17 low-income homes · 1 bd: 17 · In service since 2013 · For families
  • Carnegie Apartments 514 Lydia St, Carnegie 15106 13 low-income homes · Run by Allegheny County Housing Authority · Average payment: $353 a month · Average wait: 20 months (412) 355-8940

See all 405 buildings in Allegheny County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Carnegie

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.

An older woman smiles in front of her apartment building.

HUD counseling is free or low-cost

Assistance programs in Carnegie

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

Which programs do I qualify for? All programs in Pennsylvania

Housing counselors near Carnegie

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

  • Credit.org - Pittsburgh, PA Branch

    322 N Shore Dr, Pittsburgh · 5 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 · 5 miles away

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

  • Advantage Credit Counseling Service

    2403 Sidney St Ste 250, Pittsburgh · 6 miles away

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

Every agency in Allegheny County All counseling agencies in Pennsylvania

Help in Spanish near Carnegie

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 Carnegie

HUD’s record names them for Carnegie 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 Carnegie, 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 Carnegie.

All guides
Three generations of a family gather on the porch of their home.

Questions

Housing questions about Carnegie

Short answers with the numbers for Carnegie 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 Carnegie?

The typical home value in Carnegie is $171,500, 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 Carnegie?

Typical rent in Carnegie is $890 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 Carnegie?

Carnegie 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 Carnegie?

The typical homeowner in Carnegie pays $3,242 a year, according to the U.S. Census Bureau. That is 1.89% of the home’s value; in Allegheny County, the rate is 1.52%.

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

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).