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City · 5,440 residents · Erie County, Pennsylvania

Edinboro , Pennsylvania

In Edinboro, a typical home is worth $222,700 and typical rent is $876 a month. Compared with all of Erie County, the typical home value is 26% higher, typical household income is 24% lower, and the share of households that own their home is 26 points lower.

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  • Typical home value

    $222,700

    26% above the county

    12% below Pennsylvania

    • Edinboro
    • Erie
    • Pennsylvania

  • Typical rent

    $876a month

    3% below the county

    28% below Pennsylvania

    • Edinboro
    • Erie
    • Pennsylvania

  • Typical household income

    $48,173a year

    24% below the county

    38% below Pennsylvania

    • Edinboro
    • Erie
    • Pennsylvania

  • Households that own their home

    42%

    26 points below the county

    27 points below Pennsylvania

    • Edinboro
    • Erie
    • Pennsylvania

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

Market now, with Zillow data

Zillow data
Typical home value
$296,367
6% more than 12 months ago

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

Edinboro is in Erie 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 Erie County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Edinboro apart

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

  1. 42% of households in Edinboro own their home, against 68% in Erie County.

  2. Nearby, in Titusville, the typical home value is $79,200: 64% less than in Edinboro ($222,700).

  3. Nearby, in Titusville, the typical rent is $662: 24% less than in Edinboro ($876).

  4. The typical home in Edinboro is worth $222,700, 26% more than in Erie County as a whole ($177,000).

  5. According to Zillow, in the 12 months to September 2026 the typical home value in Edinboro rose 6%; in Pennsylvania, it rose 2.2%.

  6. The typical household income in Edinboro is $48,173, 24% less than in Erie County as a whole ($63,354).

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

The homes here

Housing in Edinboro

What homes there are in Edinboro, 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 Edinboro (51%), but less so than in Erie County (68%).

Year built

Homes in Edinboro are newer: the typical year built is 1976; in Erie County, 1964.

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

$1,470 a month

Erie County: $1,393 a month

Without a mortgage

$576 a month

Erie County: $572 a month

Owners with a mortgage

61%

Erie County: 53%

The typical cost for an owner with a mortgage in Edinboro is $1,470 a month, more than in Erie County ($1,393); without one, $576.

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

Much as in Erie County, the typical home value in Edinboro rose 34% since 2015–2019.

The typical rent in Edinboro stayed about the same over that time: the difference is within the Census margin of error.

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

MeasureEdinboroErie CountyPennsylvaniaUnited States
Rental vacancy Unreliable estimate7.3%4.9%5.5%
Homeowner vacancy Unreliable estimate0.9%0.8%0.9%
More than one person per room Unreliable estimate1.1%1.6%3.4%
People per household 2.132.312.392.53
Drive alone 70%75%68%69%
Carpool 9%9%8%9%
Public transit Unreliable estimate1%4%3%
Walk or bike 14%4%4%3%
Work from home Unreliable estimate9%16%15%
Other means Unreliable estimate2%1%2%
Typical commute Unreliable estimate10 to 19 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Edinboro has 2.13 people, fewer than in Erie County (2.31).

More people walk or bike to work in Edinboro: 14%, against 4% in Erie 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 Edinboro?

A typical home costs more than the typical income allows

We start with a typical home in Edinboro, worth $222,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 47% of the typical household income in Edinboro, which is $48,173 a year. For that payment to be 28% of income, a household would need to earn about $81,705 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Edinboro. 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 $7,795 (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

$1,906

at 7.18% · 30 years

Loan amount
$218,666
Total interest
$314,609
Paid off in
November 2056

Includes $3,761 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,124 a month

  • Tight

    $1,124 to $1,445 a month

  • Hard

    more than $1,445 a month

    Your payment · 47%

Compared with the typical household income in Edinboro ($48,173 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,906
Principal & interest$1,481
Property tax$234
Home insurance$93
FHA mortgage insurance (MIP)$98

You need at least $7,795 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

Edinboro and Erie County

Edinboro is in Erie 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).

Edinboro's own numbers

Typical home value
$222,700
Typical monthly rent
$876
Typical yearly household income
$48,173
Households that own their home
42%
Effective property tax rate
1.26%

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

Numbers for all of Erie County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,091
Price change over 5 years (FHFA)
+59%
Homes in a high flood-risk zone
0.7%

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 Erie County.

Everything about Erie County

Buying

Buying a home in Edinboro

A typical home in Edinboro is worth $222,700: 26% above the county and 12% below Pennsylvania. With the typical household income in Edinboro ($48,173 a year), a typical home costs 4.6 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.

  • Edinboro 4.6 years
  • Erie 2.8 years
  • Pennsylvania 3.3 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Erie County

According to FHFA’s house price index, home prices in Erie County rose 78% in the 10 years through 2025.

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

Period County Pennsylvania U.S.
Last year (2025) +8.8% +4.7% +2.9%
5 years (2020–2025) +59% +48% +47%
10 years (2015–2025) +78% +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

Edinboro next to Erie 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
  • Edinboro $222,700
  • Erie $177,000
  • Pennsylvania $254,500
  • United States $332,700
Typical monthly rent
  • Edinboro $876
  • Erie $904
  • Pennsylvania $1,209
  • United States $1,413
Typical yearly household income
  • Edinboro $48,173
  • Erie $63,354
  • Pennsylvania $77,971
  • United States $80,734
See the full table
Edinboro next to Erie County and Pennsylvania
Measure Edinboro Erie County Pennsylvania U.S.
Typical home value $222,700 $177,000 $254,500 $332,700
Typical monthly rent $876 $904 $1,209 $1,413
Typical yearly household income $48,173 $63,354 $77,971 $80,734
Households that own their home 42% 68% 69% 65%
Typical yearly property tax $2,816 $2,830 $3,311 $3,119
Effective property tax rate 1.26% 1.6% 1.3% 0.94%
Renters with high rent for their income 57% 49% 48% 51%

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

For a typical $222,700 home in Edinboro, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Edinboro's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,906a month

    Least cash to close
    Down payment
    $7,795
    Cash to close
    $14,476
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $98

  • Conventional, 5% down $1,866a month

    Down payment
    $11,135
    Cash to close
    $17,816
    Rate
    7.18%
    Mortgage insurance
    PMI · $106

  • Conventional, 20% down, no PMI $1,534a month

    Down payment
    $44,540
    Cash to close
    $51,221
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,739a month

    Down payment
    $33,405
    Cash to close
    $40,086
    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 Edinboro and for Erie County.

Property tax

Effective rate in Edinboro

1.26%of the home’s value each year

$2,816 a year for the typical owner in Edinboro.

  • Edinboro 1.26%
  • Erie 1.6%
  • Pennsylvania 1.3%

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

Exemptions and deadlines in Pennsylvania

Flood risk in Erie County

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

Homes in the high-risk zone
0.7%
645
Of those, with NFIP insurance
27%
County Pennsylvania U.S.
Homes in the high-risk zone 0.7% 2% 3.5%
Of those, with NFIP insurance 27% 23% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Edinboro

Typical rent in Edinboro is $876 a month: 3% below the county. In Edinboro, 57% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Erie County, by unit size. To pay the 2-bedroom one ($1,091 a month) without spending more than 30% of your income, you would need to earn $20.98 an hour working full time.

HUD fair market rent for all of Erie 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 $753 $14.48 $30,120
1 bedroom $851 $16.37 $34,040
2 bedrooms $1,091 $20.98 $43,640
3 bedrooms $1,350 $25.96 $54,000
4 bedrooms $1,564 $30.08 $62,560

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 Edinboro

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Edinboro has 2 ZIP codes with their own.

For 2 bedrooms it is $1,100 in all of them.

2 of the 2 are above the fair market rent for Erie County ($1,091).

  • 16412 $1,100$1,350
  • 16444 $1,100$1,350

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

HUD lists 3 buildings with rents for lower incomes in Edinboro. These are the largest.

  • Highland Village YMCA DR & I6n, Edinboro 16412 37 low-income homes · 1 bd: 17 · 2 bd: 20 · In service since 2014 · For older adults, people with disabilities
  • Edinlake 100 Walker Dr, Edinboro 16412 36 low-income homes · For older adults (814) 456-0510
  • Edinboro Family Homes Scots Glen DR, Edinboro 16412 29 low-income homes · 3 bd: 9 · 4 bd: 20 · In service since 2007 · For families

See all 73 buildings in Erie County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Edinboro

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 Erie County; 1 says it serves in Spanish.

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Edinboro

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

Which programs do I qualify for? All programs in Pennsylvania

Housing counselors near Edinboro

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

  • Center for Family Services, Incorporated

    996 S Main St, Meadville · 17 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (814) 337-8450

  • Saint Martin Center, Inc

    1701 Parade St, Erie · 17 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    814-452-6113-213

  • Greater Erie Community Action Agency

    18 W 9th St, Erie · 18 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (814) 459-4581

Every agency in Erie County All counseling agencies in Pennsylvania

Help in Spanish near Edinboro

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 Edinboro

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

  • Housing Authority of the County of Erie Public housing and Section 8 vouchers (814) 665-5161

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

Cities

Other cities in Erie County

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

Everything about Erie County Housing in Pennsylvania

Nearby cities

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

Neighboring counties

If Erie 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 Edinboro.

All guides
A family roasts marshmallows over a campfire at a forest campsite.

Questions

Housing questions about Edinboro

Short answers with the numbers for Edinboro and all of Erie 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 Edinboro?

The typical home value in Edinboro is $222,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Erie County it is $177,000.

How much does it cost to rent in Edinboro?

Typical rent in Edinboro is $876 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Erie County is $1,091.

What is the FHA loan limit in Edinboro?

Edinboro uses the FHA limit for all of Erie 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 Edinboro?

The typical homeowner in Edinboro pays $2,816 a year, according to the U.S. Census Bureau. That is 1.26% of the home’s value; in Erie County, the rate is 1.6%.

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

There are 2 HUD-approved counseling agencies with an office in Erie 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).