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City · 13,353 residents · Chester County, Pennsylvania

Coatesville , Pennsylvania

In Coatesville, a typical home is worth $194,000 and typical rent is $1,471 a month. Compared with all of Chester County, the typical home value is 60% lower, typical household income is 53% lower, and the share of households that own their home is 35 points lower.

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  • Typical home value

    $194,000

    60% below the county

    24% below Pennsylvania

    • Coatesville
    • Chester
    • Pennsylvania

  • Typical rent

    $1,471a month

    17% below the county

    22% above Pennsylvania

    • Coatesville
    • Chester
    • Pennsylvania

  • Typical household income

    $59,256a year

    53% below the county

    24% below Pennsylvania

    • Coatesville
    • Chester
    • Pennsylvania

  • Households that own their home

    40%

    35 points below the county

    29 points below Pennsylvania

    • Coatesville
    • Chester
    • Pennsylvania

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

Market now, with Zillow data

Zillow data
Typical home value
$392,054
2.5% more than 12 months ago
Typical rent
$1,579 a month
4.4% more than 12 months ago

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

Coatesville is in Chester County. The FHA loan limit ($630,200 for a one-unit home), the fair market rents and the help on this page are those of all of Chester County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Coatesville apart

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

  1. 40% of households in Coatesville own their home, against 75% in Chester County.

  2. The typical home in Coatesville is worth $194,000, 60% less than in Chester County as a whole ($485,600).

  3. The typical household income in Coatesville is $59,256, 53% less than in Chester County as a whole ($127,208).

  4. The typical rent in Coatesville is $1,471 a month, 17% less than in Chester County as a whole ($1,763).

  5. Coatesville has the 20th largest share of rent-burdened renters of the 232 cities in Pennsylvania with more than 5,000 people (63%).

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

The homes here

Housing in Coatesville

What homes there are in Coatesville, 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

Homes here are varied: attached houses (townhouses) are 45% of them, more than in Chester County (19%), and no kind reaches half.

Year built

There are fewer big homes in Coatesville than in Chester County: 63% have 3 bedrooms or more, against 73%.

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 Chester County is high ($630,200): at least 93% of owner-occupied homes in Coatesville are worth less than $500,000.

Monthly rent with utilities

About 77% of rented homes in Coatesville cost less than HUD's 2-bedroom fair market rent for Chester County ($1,860).

With a mortgage

$1,640 a month

Chester County: $2,660 a month

Without a mortgage

$742 a month

Chester County: $977 a month

Owners with a mortgage

73%

Chester County: 68%

In Coatesville, 73% of owners have a mortgage, and their typical cost is $1,640 a month, against $2,660 in Chester County. Without one it drops to $742.

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 Coatesville rose 57% since 2015–2019, more than in Chester County (36%).

Rents in Coatesville rose more slowly than in Chester County: 29% since 2015–2019, against 33%.

The typical household income in Coatesville rose 31% over that time; home values changed +57% and rent +29%.

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

MeasureCoatesvilleChester CountyPennsylvaniaUnited States
Rental vacancy Unreliable estimate3.6%4.9%5.5%
Homeowner vacancy Unreliable estimate0.5%0.8%0.9%
More than one person per room Unreliable estimate1.4%1.6%3.4%
People per household 2.622.602.392.53
Drive alone 68%65%68%69%
Carpool 16%6%8%9%
Public transit Unreliable estimate1%4%3%
Walk or bike Unreliable estimate2%4%3%
Work from home 9%24%16%15%
Other means Unreliable estimate1%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

By size, households in Coatesville look like those in Chester County: 2.62 people on average.

In Coatesville, 16% of workers share a car to get to work; in Chester County, 6%.

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 Coatesville?

A typical home costs more than the typical income allows

We start with a typical home in Coatesville, worth $194,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 36% of the typical household income in Coatesville, which is $59,256 a year. For that payment to be 28% of income, a household would need to earn about $76,649 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Coatesville. 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 $6,790 (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

$1,788

at 7.18% · 30 years

Loan amount
$190,486
Total interest
$274,065
Paid off in
November 2056

Includes $3,276 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,383 a month

  • Tight

    $1,383 to $1,778 a month

  • Hard

    more than $1,778 a month

    Your payment · 36%

Compared with the typical household income in Coatesville ($59,256 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,788
Principal & interest$1,290
Property tax$331
Home insurance$81
FHA mortgage insurance (MIP)$86

You need at least $6,790 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

Coatesville and Chester County

Coatesville is in Chester 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).

Coatesville's own numbers

Typical home value
$194,000
Typical monthly rent
$1,471
Typical yearly household income
$59,256
Households that own their home
40%
Effective property tax rate
2.05%

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

Numbers for all of Chester County

FHA limit, one-unit home
$630,200
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,860
Price change over 5 years (FHFA)
+52%
Homes in a high flood-risk zone
0.8%

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 Chester County.

Everything about Chester County

Buying

Buying a home in Coatesville

A typical home in Coatesville is worth $194,000: 60% below the county and 24% below Pennsylvania. With the typical household income in Coatesville ($59,256 a year), a typical home costs 3.3 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.

  • Coatesville 3.3 years
  • Chester 3.8 years
  • Pennsylvania 3.3 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Chester County

According to FHFA’s house price index, home prices in Chester County rose 77% in the 10 years through 2025.

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

Period County Pennsylvania U.S.
Last year (2025) +4.7% +4.7% +2.9%
5 years (2020–2025) +52% +48% +47%
10 years (2015–2025) +77% +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

Coatesville next to Chester 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
  • Coatesville $194,000
  • Chester $485,600
  • Pennsylvania $254,500
  • United States $332,700
Typical monthly rent
  • Coatesville $1,471
  • Chester $1,763
  • Pennsylvania $1,209
  • United States $1,413
Typical yearly household income
  • Coatesville $59,256
  • Chester $127,208
  • Pennsylvania $77,971
  • United States $80,734
See the full table
Coatesville next to Chester County and Pennsylvania
Measure Coatesville Chester County Pennsylvania U.S.
Typical home value $194,000 $485,600 $254,500 $332,700
Typical monthly rent $1,471 $1,763 $1,209 $1,413
Typical yearly household income $59,256 $127,208 $77,971 $80,734
Households that own their home 40% 75% 69% 65%
Typical yearly property tax $3,984 $6,308 $3,311 $3,119
Effective property tax rate 2.05% 1.3% 1.3% 0.94%
Renters with high rent for their income 63% 48% 48% 51%

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

For a typical $194,000 home in Coatesville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Coatesville's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,788a month

    Least cash to close
    Down payment
    $6,790
    Cash to close
    $12,610
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $86

  • Conventional, 5% down $1,753a month

    Down payment
    $9,700
    Cash to close
    $15,520
    Rate
    7.18%
    Mortgage insurance
    PMI · $92

  • Conventional, 20% down, no PMI $1,464a month

    Down payment
    $38,800
    Cash to close
    $44,620
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,643a month

    Down payment
    $29,100
    Cash to close
    $34,920
    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 Coatesville and for Chester County.

Property tax

Effective rate in Coatesville

2.05%of the home’s value each year

$3,984 a year for the typical owner in Coatesville.

  • Coatesville 2.05%
  • Chester 1.3%
  • Pennsylvania 1.3%

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

Exemptions and deadlines in Pennsylvania

Flood risk in Chester County

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

Homes in the high-risk zone
0.8%
1,279
Of those, with NFIP insurance
40%
County Pennsylvania U.S.
Homes in the high-risk zone 0.8% 2% 3.5%
Of those, with NFIP insurance 40% 23% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Coatesville

Typical rent in Coatesville is $1,471 a month: 17% below the county. In Coatesville, 63% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Chester County, by unit size. To pay the 2-bedroom one ($1,860 a month) without spending more than 30% of your income, you would need to earn $35.77 an hour working full time.

HUD fair market rent for all of Chester 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 $1,438 $27.65 $57,520
1 bedroom $1,558 $29.96 $62,320
2 bedrooms $1,860 $35.77 $74,400
3 bedrooms $2,216 $42.62 $88,640
4 bedrooms $2,445 $47.02 $97,800

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 Coatesville

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Coatesville is in ZIP code 19320.

For 2 bedrooms it is $1,850: $10 less than the fair market rent for Chester County ($1,860).

  • 19320 $1,850$2,200

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

HUD lists 10 buildings with rents for lower incomes in Coatesville. These are the largest.

  • Regency Park 2 Glencrest Rd, Coatesville 19320 125 low-income homes · For families
  • Coatesville Towers Senior Apartments 339 E Lincoln Hwy, Coatesville 19320 90 low-income homes · For older adults (610) 384-0120
  • Second Avenue Revitalization Proj 20 N 2nd Ave, Coatesville 19320 62 low-income homes · Studio: 2 · 1 bd: 49 · 2 bd: 7 · 3 bd: 4 · In service since 1999 · For older adults
  • Elmwood Garden Apts 100 Harlan Dr, Coatesville 19320 60 low-income homes · 1 bd: 8 · 2 bd: 43 · 3 bd: 8 · 4 bd: 1 · In service since 2007 · For families
  • Woodland Parkway Homes Rev 1 Amethyst Ct, Coatesville 19320 47 low-income homes · 1 bd: 16 · 2 bd: 17 · 3 bd: 10 · 4 bd: 4 · In service since 2001 · For families

See all 51 buildings in Chester County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Coatesville

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 is 1 HUD-approved agency with an office in Chester County; 1 says it serves in Spanish.

An older man and his daughter go over papers with a professional.

HUD counseling is free or low-cost

Assistance programs in Coatesville

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

Which programs do I qualify for? All programs in Pennsylvania

Housing counselors near Coatesville

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

  • Housing Partnership of Chester County

    41 W Lancaster Ave, Downingtown · 6 miles away · Spanish

    • Budget and financial counseling
    • Predatory lending workshops
    • and 2 more
    (610) 518-1522

  • Media Fellowship House

    302 S Jackson St, Media · 23 miles away

    • Mortgage delinquency and default
    • Pre-purchase counseling
    • and 1 more
    (610) 565-0434

  • Berks Community Action Program, Inc.

    645 Penn St, Reading · 25 miles away · Spanish

    • Mortgage delinquency and default
    • Homelessness services
    • and 1 more
    (610) 375-7866

Every agency in Chester County All counseling agencies in Pennsylvania

Help in Spanish near Coatesville

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 Coatesville

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

  • Housing Authority of the County of Chester Public housing and Section 8 vouchers (610) 436-9200

All housing agencies in Pennsylvania Source: HUD

Cities

Other cities in Chester County

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

Everything about Chester County Housing in Pennsylvania

Nearby cities

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

Neighboring counties

If Chester 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 Coatesville.

All guides
A mother holds her laughing daughter on a grey sofa.

Questions

Housing questions about Coatesville

Short answers with the numbers for Coatesville and all of Chester 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 Coatesville?

The typical home value in Coatesville is $194,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Chester County it is $485,600.

How much does it cost to rent in Coatesville?

Typical rent in Coatesville is $1,471 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Chester County is $1,860.

What is the FHA loan limit in Coatesville?

Coatesville uses the FHA limit for all of Chester County (2026): $630,200 for a one-unit home and $1,211,950 for a four-unit home.

How much property tax do owners pay in Coatesville?

The typical homeowner in Coatesville pays $3,984 a year, according to the U.S. Census Bureau. That is 2.05% of the home’s value; in Chester County, the rate is 1.3%.

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

There is 1 HUD-approved counseling agency with an office in Chester 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).