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City · 9,319 residents · Monroe County, Pennsylvania

East Stroudsburg , Pennsylvania

In East Stroudsburg, a typical home is worth $227,900 and typical rent is $1,479 a month. Compared with all of Monroe County, typical household income is 28% lower, the typical home value is 15% lower, and the share of households that own their home is 27 points lower.

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  • Typical home value

    $227,900

    15% below the county

    10% below Pennsylvania

    • East Stroudsburg
    • Monroe
    • Pennsylvania

  • Typical rent

    $1,479a month

    6% above the county

    22% above Pennsylvania

    • East Stroudsburg
    • Monroe
    • Pennsylvania

  • Typical household income

    $59,821a year

    28% below the county

    23% below Pennsylvania

    • East Stroudsburg
    • Monroe
    • Pennsylvania

  • Households that own their home

    53%

    27 points below the county

    16 points below Pennsylvania

    • East Stroudsburg
    • Monroe
    • Pennsylvania

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

Market now, with Zillow data

Zillow data
Typical home value
$313,218
2% more than 12 months ago
Typical rent
$1,927 a month
1.5% more than 12 months ago

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

East Stroudsburg is in Monroe 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 Monroe County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets East Stroudsburg apart

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

  1. 53% of households in East Stroudsburg own their home, against 80% in Monroe County.

  2. Nearby, in Bangor, the typical home value is $173,800: 24% less than in East Stroudsburg ($227,900).

  3. The typical household income in East Stroudsburg is $59,821, 28% less than in Monroe County as a whole ($83,565).

  4. Nearby, in Bangor, the typical rent is $1,134: 23% less than in East Stroudsburg ($1,479).

  5. 12% of households in East Stroudsburg have no internet at home (6% in Monroe County).

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

The homes here

Housing in East Stroudsburg

What homes there are in East Stroudsburg, 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 East Stroudsburg (50%), but less so than in Monroe County (84%).

Year built

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

$1,795 a month

Monroe County: $1,853 a month

Without a mortgage

$685 a month

Monroe County: $793 a month

Owners with a mortgage

57%

Monroe County: 63%

Owning costs about the same in East Stroudsburg as in Monroe County: with a mortgage, $1,795 a month; without one, $685.

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 East Stroudsburg rose 55%; in Monroe County, it rose 59%.

The typical rent in East Stroudsburg rose 32% over the same time; in Monroe County, it rose 26%.

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

MeasureEast StroudsburgMonroe CountyPennsylvaniaUnited States
Rental vacancy Unreliable estimate2.7%4.9%5.5%
Homeowner vacancy Unreliable estimate1.1%0.8%0.9%
More than one person per room Unreliable estimate1.7%1.6%3.4%
People per household 2.462.692.392.53
Drive alone 66%73%68%69%
Carpool 8%10%8%9%
Public transit Unreliable estimate3%4%3%
Walk or bike 7%1%4%3%
Work from home 14%11%16%15%
Other means Unreliable estimate2%1%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

Households in East Stroudsburg are smaller: 2.46 people on average; in Monroe County, 2.69.

In East Stroudsburg, 7% of workers walk or bike to work; in Monroe County, 1%.

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 East Stroudsburg?

A typical home costs more than the typical income allows

We start with a typical home in East Stroudsburg, worth $227,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 42% of the typical household income in East Stroudsburg, which is $59,821 a year. For that payment to be 28% of income, a household would need to earn about $89,310 a year.

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

Your numbers

Local data
$

Starts at the typical home value in East Stroudsburg. 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 $7,977 (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

$2,084

at 7.18% · 30 years

Loan amount
$223,772
Total interest
$321,955
Paid off in
November 2056

Includes $3,849 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,396 a month

  • Tight

    $1,396 to $1,795 a month

  • Hard

    more than $1,795 a month

    Your payment · 42%

Compared with the typical household income in East Stroudsburg ($59,821 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,084
Principal & interest$1,516
Property tax$372
Home insurance$95
FHA mortgage insurance (MIP)$101

You need at least $7,977 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

East Stroudsburg and Monroe County

East Stroudsburg is in Monroe 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).

East Stroudsburg's own numbers

Typical home value
$227,900
Typical monthly rent
$1,479
Typical yearly household income
$59,821
Households that own their home
53%
Effective property tax rate
1.96%

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

Numbers for all of Monroe County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,550
Price change over 5 years (FHFA)
+65%
Homes in a high flood-risk zone
1.6%

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 Monroe County.

Everything about Monroe County

Buying

Buying a home in East Stroudsburg

A typical home in East Stroudsburg is worth $227,900: 15% below the county and 10% below Pennsylvania. With the typical household income in East Stroudsburg ($59,821 a year), a typical home costs 3.8 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.

  • East Stroudsburg 3.8 years
  • Monroe 3.2 years
  • Pennsylvania 3.3 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Monroe County

According to FHFA’s house price index, home prices in Monroe County rose 112% in the 10 years through 2025.

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

Period County Pennsylvania U.S.
Last year (2025) +7.2% +4.7% +2.9%
5 years (2020–2025) +65% +48% +47%
10 years (2015–2025) +112% +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

East Stroudsburg next to Monroe 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
  • East Stroudsburg $227,900
  • Monroe $267,600
  • Pennsylvania $254,500
  • United States $332,700
Typical monthly rent
  • East Stroudsburg $1,479
  • Monroe $1,393
  • Pennsylvania $1,209
  • United States $1,413
Typical yearly household income
  • East Stroudsburg $59,821
  • Monroe $83,565
  • Pennsylvania $77,971
  • United States $80,734
See the full table
East Stroudsburg next to Monroe County and Pennsylvania
Measure East Stroudsburg Monroe County Pennsylvania U.S.
Typical home value $227,900 $267,600 $254,500 $332,700
Typical monthly rent $1,479 $1,393 $1,209 $1,413
Typical yearly household income $59,821 $83,565 $77,971 $80,734
Households that own their home 53% 80% 69% 65%
Typical yearly property tax $4,477 $4,447 $3,311 $3,119
Effective property tax rate 1.96% 1.66% 1.3% 0.94%
Renters with high rent for their income 53% 57% 48% 51%

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

For a typical $227,900 home in East Stroudsburg, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, East Stroudsburg's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,084a month

    Least cash to close
    Down payment
    $7,977
    Cash to close
    $14,814
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $101

  • Conventional, 5% down $2,042a month

    Down payment
    $11,395
    Cash to close
    $18,232
    Rate
    7.18%
    Mortgage insurance
    PMI · $108

  • Conventional, 20% down, no PMI $1,702a month

    Down payment
    $45,580
    Cash to close
    $52,417
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,913a month

    Down payment
    $34,185
    Cash to close
    $41,022
    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 East Stroudsburg and for Monroe County.

Property tax

Effective rate in East Stroudsburg

1.96%of the home’s value each year

$4,477 a year for the typical owner in East Stroudsburg.

  • East Stroudsburg 1.96%
  • Monroe 1.66%
  • Pennsylvania 1.3%

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

Exemptions and deadlines in Pennsylvania

Flood risk in Monroe County

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

Homes in the high-risk zone
1.6%
1,192
Of those, with NFIP insurance
20%
County Pennsylvania U.S.
Homes in the high-risk zone 1.6% 2% 3.5%
Of those, with NFIP insurance 20% 23% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in East Stroudsburg

Typical rent in East Stroudsburg is $1,479 a month: 6% above the county. In East Stroudsburg, 53% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Monroe County, by unit size. To pay the 2-bedroom one ($1,550 a month) without spending more than 30% of your income, you would need to earn $29.81 an hour working full time.

HUD fair market rent for all of Monroe 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 $1,258 $24.19 $50,320
1 bedroom $1,266 $24.35 $50,640
2 bedrooms $1,550 $29.81 $62,000
3 bedrooms $2,115 $40.67 $84,600
4 bedrooms $2,591 $49.83 $103,640

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 East Stroudsburg

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). East Stroudsburg is in ZIP code 18301.

For 2 bedrooms it is $1,620: $70 more than the fair market rent for Monroe County ($1,550).

  • 18301 $1,620$2,210

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

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

  • Hillstreet - Avon Court 332N Kistler Plz, East Stroudsburg 18301 161 low-income homes · Run by The Housing Authority of Monroe County · Average payment: $555 a month · Average wait: 91 months · Homes at several sites (570) 421-7770
  • Shirley Futch Plaza 4 S Kistler St, East Stroudsburg 18301 101 homes, 100 low-income · For older adults (570) 421-1517
  • Milford Commons Apts 1800 Milford Commons, East Stroudsburg 18301 88 low-income homes · 2 bd: 24 · 3 bd: 64 · In service since 1999 · For families
  • Milford Commons Apts Phase II 1800 Milford Commons, East Stroudsburg 18301 42 low-income homes · 2 bd: 26 · 3 bd: 16 · In service since 2001 · For families
  • Eagle Valley Apartments 561 Roosevelt St, East Stroudsburg 18301 20 low-income homes · For older adults (610) 439-7007, ext. 254

See all 12 buildings in Monroe County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in East Stroudsburg

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

A young woman and a young man point to a line in their notes beside a laptop in a library.

HUD counseling is free or low-cost

Assistance programs in East Stroudsburg

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

Which programs do I qualify for? All programs in Pennsylvania

Housing counselors near East Stroudsburg

The HUD-approved agencies closest to the center of East Stroudsburg, 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 · 22 miles away

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

  • Community Action Committee of Lehigh Valley, Inc.

    1337 E 5th St, Bethlehem · 29 miles away · Spanish

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

  • United Neighborhood Centers of Northeastern Pennsylvania

    410 Olive St, Scranton · 38 miles away

    • Homelessness services
    • Rental counseling
    (570) 343-8835

All counseling agencies in Pennsylvania

Help in Spanish near East Stroudsburg

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 East Stroudsburg

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

  • The Housing Authority of Monroe County Public housing and Section 8 vouchers (570) 421-7770

All housing agencies in Pennsylvania Source: HUD

Cities

Other cities in Monroe County

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

Everything about Monroe County Housing in Pennsylvania

Nearby cities

The cities closest to East Stroudsburg, with the typical home value.

Neighboring counties

If Monroe 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 East Stroudsburg.

All guides
Two parents walk hand in hand with their little daughter.

Questions

Housing questions about East Stroudsburg

Short answers with the numbers for East Stroudsburg and all of Monroe 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 East Stroudsburg?

The typical home value in East Stroudsburg is $227,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Monroe County it is $267,600.

How much does it cost to rent in East Stroudsburg?

Typical rent in East Stroudsburg is $1,479 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Monroe County is $1,550.

What is the FHA loan limit in East Stroudsburg?

East Stroudsburg uses the FHA limit for all of Monroe 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 East Stroudsburg?

The typical homeowner in East Stroudsburg pays $4,477 a year, according to the U.S. Census Bureau. That is 1.96% of the home’s value; in Monroe County, the rate is 1.66%.

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

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