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City · 10,687 residents · Delaware County, Pennsylvania

Darby , Pennsylvania

In Darby, a typical home is worth $117,900 and typical rent is $1,308 a month. Compared with all of Delaware County, the typical home value is 65% lower, typical household income is 55% lower, and the share of households that own their home is 20 points lower.

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  • Typical home value

    $117,900

    65% below the county

    54% below Pennsylvania

    • Darby
    • Delaware
    • Pennsylvania

  • Typical rent

    $1,308a month

    5% below the county

    8% above Pennsylvania

    • Darby
    • Delaware
    • Pennsylvania

  • Typical household income

    $39,863a year

    55% below the county

    49% below Pennsylvania

    • Darby
    • Delaware
    • Pennsylvania

  • Households that own their home

    50%

    20 points below the county

    19 points below Pennsylvania

    • Darby
    • Delaware
    • Pennsylvania

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

Market now, with Zillow data

Zillow data
Typical rent
$1,413 a month

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

Darby is in Delaware 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 Delaware County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Darby apart

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

  1. The typical home in Darby is worth $117,900, 65% less than in Delaware County as a whole ($332,200).

  2. The typical household income in Darby is $39,863, 55% less than in Delaware County as a whole ($89,546).

  3. 50% of households in Darby own their home, against 70% in Delaware County.

  4. Nearby, in Collingdale, the typical rent is $1,090: 17% less than in Darby ($1,308).

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

The homes here

Housing in Darby

What homes there are in Darby, 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 64% of them, more than in Delaware County (32%), and no kind reaches half.

Year built

In Darby, half of the homes were built before 1949; in Delaware 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
Monthly rent with utilities

With a mortgage

$1,482 a month

Delaware County: $2,222 a month

Without a mortgage

$626 a month

Delaware County: $884 a month

Owners with a mortgage

67%

Delaware County: 63%

Owning costs less in Darby: with a mortgage, the typical cost is $1,482 a month; in Delaware County, $2,222. Without one, $626.

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

Since 2015–2019, homes in Darby gained value faster than in Delaware County: 50% against 36%.

The typical rent in Darby rose 25% since 2015–2019, about the same as in Delaware County (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

MeasureDarbyDelaware CountyPennsylvaniaUnited States
Rental vacancy 8.3%4.8%4.9%5.5%
Homeowner vacancy Unreliable estimate0.6%0.8%0.9%
More than one person per room Unreliable estimate1.5%1.6%3.4%
People per household 2.582.562.392.53
Drive alone 52%64%68%69%
Carpool Unreliable estimate7%8%9%
Public transit 25%6%4%3%
Walk or bike Unreliable estimate4%4%3%
Work from home Unreliable estimate18%16%15%
Other means Unreliable estimate2%1%2%
Typical commute 30 to 39 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

In Darby, the rental vacancy rate is 8.3%; in Delaware County, 4.8%.

By size, households in Darby look like those in Delaware County: 2.58 people on average.

Public transit matters here: 25% of workers take it to work, against 6% in Delaware 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 Darby?

A typical home is tight for the typical income

We start with a typical home in Darby, worth $117,900, 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 Darby, which is $39,863 a year. For that payment to be 28% of income, a household would need to earn about $50,666 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Darby. 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 $4,127 (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

$1,182

at 7.18% · 30 years

Loan amount
$115,764
Total interest
$166,557
Paid off in
November 2056

Includes $1,991 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $930 a month

  • Tight

    $930 to $1,196 a month

    Your payment · 36%

  • Hard

    more than $1,196 a month

Compared with the typical household income in Darby ($39,863 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,182
Principal & interest$784
Property tax$297
Home insurance$49
FHA mortgage insurance (MIP)$52

You need at least $4,127 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

Darby and Delaware County

Darby is in Delaware 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).

Darby's own numbers

Typical home value
$117,900
Typical monthly rent
$1,308
Typical yearly household income
$39,863
Households that own their home
50%
Effective property tax rate
3.02%

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

Numbers for all of Delaware 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)
+53%
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 Delaware County.

Everything about Delaware County

Buying

Buying a home in Darby

A typical home in Darby is worth $117,900: 65% below the county and 54% below Pennsylvania. With the typical household income in Darby ($39,863 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.

  • Darby 3.0 years
  • Delaware 3.7 years
  • Pennsylvania 3.3 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Delaware County

According to FHFA’s house price index, home prices in Delaware County rose 84% in the 10 years through 2025.

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

Period County Pennsylvania U.S.
Last year (2025) +4.6% +4.7% +2.9%
5 years (2020–2025) +53% +48% +47%
10 years (2015–2025) +84% +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

Darby next to Delaware 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
  • Darby $117,900
  • Delaware $332,200
  • Pennsylvania $254,500
  • United States $332,700
Typical monthly rent
  • Darby $1,308
  • Delaware $1,372
  • Pennsylvania $1,209
  • United States $1,413
Typical yearly household income
  • Darby $39,863
  • Delaware $89,546
  • Pennsylvania $77,971
  • United States $80,734
See the full table
Darby next to Delaware County and Pennsylvania
Measure Darby Delaware County Pennsylvania U.S.
Typical home value $117,900 $332,200 $254,500 $332,700
Typical monthly rent $1,308 $1,372 $1,209 $1,413
Typical yearly household income $39,863 $89,546 $77,971 $80,734
Households that own their home 50% 70% 69% 65%
Typical yearly property tax $3,560 $6,124 $3,311 $3,119
Effective property tax rate 3.02% 1.84% 1.3% 0.94%
Renters with high rent for their income 62% 55% 48% 51%

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

For a typical $117,900 home in Darby, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Darby's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,182a month

    Least cash to close
    Down payment
    $4,127
    Cash to close
    $7,664
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $52

  • Conventional, 5% down $1,161a month

    Down payment
    $5,895
    Cash to close
    $9,432
    Rate
    7.18%
    Mortgage insurance
    PMI · $56

  • Conventional, 20% down, no PMI $985a month

    Down payment
    $23,580
    Cash to close
    $27,117
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,094a month

    Down payment
    $17,685
    Cash to close
    $21,222
    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 Darby and for Delaware County.

Property tax

Effective rate in Darby

3.02%of the home’s value each year

$3,560 a year for the typical owner in Darby.

  • Darby 3.02%
  • Delaware 1.84%
  • Pennsylvania 1.3%

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

Exemptions and deadlines in Pennsylvania

Flood risk in Delaware County

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

Homes in the high-risk zone
1.1%
1,813
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 Darby

Typical rent in Darby is $1,308 a month: 5% below the county. In Darby, 62% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Delaware 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 Delaware 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 Darby

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Darby is in ZIP code 19023.

For 2 bedrooms it is $1,620: $240 less than the fair market rent for Delaware County ($1,860).

  • 19023 $1,620$1,930

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

HUD lists one building with rents for lower incomes in Darby.

  • Darby Court Apts 896 Main St, Darby 19023 27 homes

See all 70 buildings in Delaware County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Darby

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 4 HUD-approved agencies with an office in Delaware County; 1 says it serves in Spanish.

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Darby

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

Which programs do I qualify for? All programs in Pennsylvania

Housing counselors near Darby

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

  • Southwest CDC

    6328 Paschall Ave, Philadelphia · 2 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (215) 729-3948

  • Affordable Housing Centers of Pennsylvania - Delaware County

    20 S 69th St, Upper Darby · 3 miles away · Spanish

    • Mortgage delinquency and default
    • Workshops for new owners
    • and 3 more
    (215) 765-1221

  • Affordable Housing Centers of Pennsylvania - West Philadephia

    5901 Market Street, Suite 104, Philadephia · 3 miles away

    • Mortgage delinquency and default
    • Workshops for new owners
    • and 3 more
    (215) 765-1221

Every agency in Delaware County All counseling agencies in Pennsylvania

Help in Spanish near Darby

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 Darby

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

  • Housing Authority County of Delaware Public housing and Section 8 vouchers (610) 876-2521

One other authority has an office in Delaware County: see the list Source: HUD

Cities

Other cities in Delaware County

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

Everything about Delaware County Housing in Pennsylvania
See 9 more cities in Delaware County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

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

Neighboring counties

If Delaware 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 Darby.

All guides
A couple spread mulch under the avocado trees of their family orchard, he on the tractor and she with a shovel.

Questions

Housing questions about Darby

Short answers with the numbers for Darby and all of Delaware 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 Darby?

The typical home value in Darby is $117,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Delaware County it is $332,200.

How much does it cost to rent in Darby?

Typical rent in Darby is $1,308 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Delaware County is $1,860.

What is the FHA loan limit in Darby?

Darby uses the FHA limit for all of Delaware 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 Darby?

The typical homeowner in Darby pays $3,560 a year, according to the U.S. Census Bureau. That is 3.02% of the home’s value; in Delaware County, the rate is 1.84%.

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

There are 4 HUD-approved counseling agencies with an office in Delaware 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).