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City · 7,086 residents · Northampton County, Pennsylvania

Chestnut Hill , Pennsylvania

In Chestnut Hill, a typical home is worth $375,000. Compared with all of Northampton County, typical household income is 39% higher, the typical home value is 22% higher, and the share of households that own their home is 17 points higher.

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  • Typical home value

    $375,000

    22% above the county

    47% above Pennsylvania

    • Chestnut Hill
    • Northampton
    • Pennsylvania

  • Typical household income

    $124,089a year

    39% above the county

    59% above Pennsylvania

    • Chestnut Hill
    • Northampton
    • Pennsylvania

  • Households that own their home

    88%

    17 points above the county

    18 points above Pennsylvania

    • Chestnut Hill
    • Northampton
    • Pennsylvania

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

Chestnut Hill is in Northampton 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 Northampton County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Chestnut Hill apart

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

  1. Nearby, in Bangor, the typical home value is $173,800: 54% less than in Chestnut Hill ($375,000).

  2. The typical household income in Chestnut Hill is $124,089, 39% more than in Northampton County as a whole ($89,184).

  3. 88% of households in Chestnut Hill own their home, against 71% in Northampton County.

  4. The typical home in Chestnut Hill is worth $375,000, 22% more than in Northampton County as a whole ($308,600).

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

The homes here

Housing in Chestnut Hill

What homes there are in Chestnut Hill, 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 58% in Northampton County.

Year built

Homes in Chestnut Hill are newer: the typical year built is 2001; in Northampton County, 1971.

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

$2,425 a month

Northampton County: $1,957 a month

Without a mortgage

$938 a month

Northampton County: $766 a month

Owners with a mortgage

70%

Northampton County: 60%

The typical cost for an owner with a mortgage in Chestnut Hill is $2,425 a month, more than in Northampton County ($1,957); without one, $938.

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 Census does not compare Chestnut Hill with 2015–2019 because its boundaries changed. In Northampton County, over that time, the typical home value rose 40%.

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

MeasureChestnut HillNorthampton CountyPennsylvaniaUnited States
Rental vacancy Unreliable estimate2.5%4.9%5.5%
Homeowner vacancy Unreliable estimate0.7%0.8%0.9%
More than one person per room Unreliable estimate1.3%1.6%3.4%
People per household 2.562.492.392.53
Drive alone 68%75%68%69%
Carpool Unreliable estimate6%8%9%
Public transit Unreliable estimate1%4%3%
Walk or bike Unreliable estimate2%4%3%
Work from home 25%14%16%15%
Other means Unreliable estimate2%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in Northampton County, a household in Chestnut Hill has 2.56 people on average.

Working from home is more common in Chestnut Hill: 25%, against 14% in Northampton 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 Chestnut Hill?

A typical home is tight for the typical income

We start with a typical home in Chestnut Hill, worth $375,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 33% of the typical household income in Chestnut Hill, which is $124,089 a year. For that payment to be 28% of income, a household would need to earn about $145,081 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Chestnut Hill. 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 $13,125 (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

$3,385

at 7.18% · 30 years

Loan amount
$368,208
Total interest
$529,765
Paid off in
November 2056

Includes $6,333 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,895 a month

  • Tight

    $2,895 to $3,723 a month

    Your payment · 33%

  • Hard

    more than $3,723 a month

Compared with the typical household income in Chestnut Hill ($124,089 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,385
Principal & interest$2,494
Property tax$569
Home insurance$156
FHA mortgage insurance (MIP)$166

You need at least $13,125 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

Chestnut Hill and Northampton County

Chestnut Hill is in Northampton 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).

Chestnut Hill's own numbers

Typical home value
$375,000
Typical yearly household income
$124,089
Households that own their home
88%
Effective property tax rate
1.82%

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

Numbers for all of Northampton 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)
+59%
Homes in a high flood-risk zone
1.1%

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 Northampton County.

Everything about Northampton County

Buying

Buying a home in Chestnut Hill

A typical home in Chestnut Hill is worth $375,000: 22% above the county and 47% above Pennsylvania. With the typical household income in Chestnut Hill ($124,089 a year), a typical home costs 3.0 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.

  • Chestnut Hill 3.0 years
  • Northampton 3.5 years
  • Pennsylvania 3.3 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Northampton County

According to FHFA’s house price index, home prices in Northampton County rose 92% in the 10 years through 2025.

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

Period County Pennsylvania U.S.
Last year (2025) +6.2% +4.7% +2.9%
5 years (2020–2025) +59% +48% +47%
10 years (2015–2025) +92% +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

Chestnut Hill next to Northampton 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
  • Chestnut Hill $375,000
  • Northampton $308,600
  • Pennsylvania $254,500
  • United States $332,700
Typical yearly household income
  • Chestnut Hill $124,089
  • Northampton $89,184
  • Pennsylvania $77,971
  • United States $80,734
See the full table
Chestnut Hill next to Northampton County and Pennsylvania
Measure Chestnut Hill Northampton County Pennsylvania U.S.
Typical home value $375,000 $308,600 $254,500 $332,700
Typical yearly household income $124,089 $89,184 $77,971 $80,734
Households that own their home 88% 71% 69% 65%
Typical yearly property tax $6,833 $4,700 $3,311 $3,119
Effective property tax rate 1.82% 1.52% 1.3% 0.94%

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

For a typical $375,000 home in Chestnut Hill, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Chestnut Hill's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,385a month

    Least cash to close
    Down payment
    $13,125
    Cash to close
    $24,375
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $166

  • Conventional, 5% down $3,316a month

    Down payment
    $18,750
    Cash to close
    $30,000
    Rate
    7.18%
    Mortgage insurance
    PMI · $178

  • Conventional, 20% down, no PMI $2,757a month

    Down payment
    $75,000
    Cash to close
    $86,250
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,104a month

    Down payment
    $56,250
    Cash to close
    $67,500
    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 Chestnut Hill and for Northampton County.

Property tax

Effective rate in Chestnut Hill

1.82%of the home’s value each year

$6,833 a year for the typical owner in Chestnut Hill.

  • Chestnut Hill 1.82%
  • Northampton 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 Northampton County

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

Homes in the high-risk zone
1.1%
1,124
Of those, with NFIP insurance
39%
County Pennsylvania U.S.
Homes in the high-risk zone 1.1% 2% 3.5%
Of those, with NFIP insurance 39% 23% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Chestnut Hill

The Census Bureau publishes no typical rent for Chestnut Hill. Below are the fair market rents for Northampton County.

HUD publishes a fair market rent for all of Northampton 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 Northampton 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 Chestnut Hill

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Chestnut Hill is in ZIP code 18040.

For 2 bedrooms it is $1,910: $71 more than the fair market rent for Northampton County ($1,839).

  • 18040 $1,910$2,400

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

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 Northampton County; 1 says it serves in Spanish.

A young man and a young woman look something up together on a laptop.

HUD counseling is free or low-cost

Assistance programs in Chestnut Hill

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

Which programs do I qualify for? All programs in Pennsylvania

Housing counselors near Chestnut Hill

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

  • Greater Community Development Corporation

    403 Pastor Fred Davis St, Easton · 3 miles away

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

  • Community Action Committee of Lehigh Valley, Inc.

    1337 E 5th St, Bethlehem · 11 miles away · Spanish

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

  • Bucks County Housing Group

    626 Jacksonville Rd, Warminster · 35 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (215) 394-8259

Every agency in Northampton County All counseling agencies in Pennsylvania

Help in Spanish near Chestnut Hill

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 Chestnut Hill

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

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

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

Cities

Other cities in Northampton County

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

Everything about Northampton County Housing in Pennsylvania

Nearby cities

The cities closest to Chestnut Hill, with the typical home value.

Neighboring counties

If Northampton 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 Chestnut Hill.

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

Questions

Housing questions about Chestnut Hill

Short answers with the numbers for Chestnut Hill and all of Northampton 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 Chestnut Hill?

The typical home value in Chestnut Hill is $375,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Northampton County it is $308,600.

What is the FHA loan limit in Chestnut Hill?

Chestnut Hill uses the FHA limit for all of Northampton 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 Chestnut Hill?

The typical homeowner in Chestnut Hill pays $6,833 a year, according to the U.S. Census Bureau. That is 1.82% of the home’s value; in Northampton County, the rate is 1.52%.

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

There are 2 HUD-approved counseling agencies with an office in Northampton County. 1 says it serves 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).