City · 11,925 residents · Lancaster County, Pennsylvania
Elizabethtown, Pennsylvania
In Elizabethtown, a typical home is worth $238,700 and typical rent is $1,174 a month. Compared with all of Lancaster County, the typical home value is 21% lower, typical rent is 13% lower, and the share of households that own their home is 12 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $273,892 to $365,248.
Typical rent
$1,510a month
▲ 4.3% more than 12 months ago
Typical rent from Zillow, March 2023 to September 2026: from $1,214 to $1,510.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Elizabethtown is in Lancaster 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 Lancaster County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Middletown, the typical home value is $161,600: 32% less than in Elizabethtown ($238,700).
2
The typical home in Elizabethtown is worth $238,700,21% less than in Lancaster County as a whole ($301,100).
3
58% of households in Elizabethtown own their home, against 70% in Lancaster County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Elizabethtown
What homes there are in Elizabethtown, 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 houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Elizabethtown
Lancaster County
Pennsylvania
United States
Kind of home: Elizabethtown and its comparisons
Measure
Elizabethtown
Lancaster County
Pennsylvania
United States
Detached house
43%
55%
57%
61%
Attached house
21%
21%
19%
6%
Building of 2 to 4
11%
7%
8%
8%
Apartments (5 or more)
26%
13%
13%
19%
Mobile home
Unreliable estimate
4%
4%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Homes in Elizabethtown are varied: detached houses are the largest group, at 43%, against 55% in Lancaster County.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Elizabethtown
Lancaster County
Pennsylvania
United States
Year built: Elizabethtown and its comparisons
Measure
Elizabethtown
Lancaster County
Pennsylvania
United States
Before 1960
47%
33%
45%
26%
1960–1979
23%
20%
22%
24%
1980–1999
20%
27%
19%
25%
2000–2009
Unreliable estimate
11%
8%
14%
2010 or later
Unreliable estimate
9%
6%
11%
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K29%
$200K–$300K40%
$300K–$500K26%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Elizabethtown and its comparisons
Measure
Elizabethtown
Under $100K
Unreliable estimate
$100K–$200K
29%
$200K–$300K
40%
$300K–$500K
26%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99927%
$1,000–$1,49942%
$1,500–$1,99918%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Elizabethtown and its comparisons
Measure
Elizabethtown
Under $500
Unreliable estimate
$500–$999
27%
$1,000–$1,499
42%
$1,500–$1,999
18%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
With a mortgage
$1,622 a month
Lancaster County: $1,818 a month
Without a mortgage
$700 a month
Lancaster County: $702 a month
Owners with a mortgage
74%
Lancaster County: 60%
The typical cost for an owner with a mortgage in Elizabethtown is $1,622 a month, less than in Lancaster County ($1,818); without one, $700.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Elizabethtown+33%
Lancaster County+44%
Pennsylvania+41%
United States+53%
Typical rent
Elizabethtown+27%
Lancaster County+35%
Pennsylvania+29%
United States+33%
Typical household income
Elizabethtown+22%
Lancaster County+32%
Pennsylvania+26%
United States+29%
Change since 2015–2019: Elizabethtown and its comparisons
Measure
Elizabethtown
Lancaster County
Pennsylvania
United States
Typical home value
+33%
+44%
+41%
+53%
Typical rent
+27%
+35%
+29%
+33%
Typical household income
+22%
+32%
+26%
+29%
From 2015–2019 to 2020–2024, the typical home value in Elizabethtown rose 33%; in Lancaster County, it rose 44%.
Rents in Elizabethtown rose more slowly than in Lancaster County: 27% since 2015–2019, against 35%.
Housing prices ran ahead of income in Elizabethtown: typical income rose 22%, against +33% for home values and +27% for rent.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Elizabethtown and its comparisons
Measure
Elizabethtown
Lancaster County
Pennsylvania
United States
Rental vacancy
Unreliable estimate
2.1%
4.9%
5.5%
Homeowner vacancy
Unreliable estimate
0.3%
0.8%
0.9%
More than one person per room
Unreliable estimate
2.2%
1.6%
3.4%
People per household
2.20
2.55
2.39
2.53
Drive alone
73%
72%
68%
69%
Carpool
6%
10%
8%
9%
Public transit
Unreliable estimate
1%
4%
3%
Walk or bike
8%
4%
4%
3%
Work from home
11%
12%
16%
15%
Other means
Unreliable estimate
2%
1%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Fewer people live in each home here: 2.20 on average, against 2.55 in Lancaster County.
In Elizabethtown, 8% of workers walk or bike to work; in Lancaster County, 4%.
Do the math
What would you pay each month for a home in Elizabethtown?
A typical home is tight for the typical income
We start with a typical home in Elizabethtown, worth $238,700, 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 Elizabethtown, which is $76,105 a year. For that payment to be 28% of income, a household would need to earn about $90,133 a year.
The calculator's FHA and conventional loan limits are those of all of Lancaster County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Elizabethtown. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $8,355 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$2,103
at 7.18% · 30 years
Loan amount
$234,376
Total interest
$337,212
Paid off in
November 2056
Includes $4,031 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,776 a month
Tight
$1,776 to $2,283 a month
Your payment · 33%
Hard
more than $2,283 a month
Compared with the typical household income in Elizabethtown ($76,105 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,588
Property tax
$310
Home insurance
$100
FHA mortgage insurance (MIP)
$106
You need at least $8,355 for the down payment, plus closing costs.
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.
Total monthly payment $2,103; principal and interest $1,588.
The city and its county
Elizabethtown and Lancaster County
Elizabethtown is in Lancaster 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).
Elizabethtown
Map of Lancaster County, Pennsylvania, with Elizabethtown marked. Around it, the neighboring counties.
Elizabethtown
Lancaster County
Other cities with a page
Elizabethtown's own numbers
Typical home value
$238,700
Typical monthly rent
$1,174
Typical yearly household income
$76,105
Households that own their home
58%
Effective property tax rate
1.56%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Lancaster County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,553
Price change over 5 years (FHFA)
+59%
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 Lancaster County.
A typical home in Elizabethtown is worth $238,700: 21% below the county and 6% below Pennsylvania. With the typical household income in Elizabethtown ($76,105 a year), a typical home costs 3.1 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.
Elizabethtown3.1 years
Lancaster3.5 years
Pennsylvania3.3 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Lancaster County
According to FHFA’s house price index, home prices in Lancaster County rose 93% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Lancaster County.
Yearly change in FHFA’s price index in Lancaster County, 2016 to 2025
2016: +2.6% +2.6% 2016
2017: +4.1% +4.1% 2017
2018: +5.5% +5.5% 2018
2019: +4.0% +4.0% 2019
2020: +3.9% +3.9% 2020
2021: +11.3% +11.3% 2021
2022: +15.8% +15.8% 2022
2023: +10.1% +10.1% 2023
2024: +6.4% +6.4% 2024
2025: +5.0% +5.0% 2025
Change in FHFA’s price index in Lancaster County, Pennsylvania and the United States
Period
County
Pennsylvania
U.S.
Last year (2025)
+5.0%
+4.7%
+2.9%
5 years (2020–2025)
+59%
+48%
+47%
10 years (2015–2025)
+93%
+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
Elizabethtown next to Lancaster 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
Elizabethtown$238,700
Lancaster$301,100
Pennsylvania$254,500
United States$332,700
Typical monthly rent
Elizabethtown$1,174
Lancaster$1,357
Pennsylvania$1,209
United States$1,413
Typical yearly household income
Elizabethtown$76,105
Lancaster$86,959
Pennsylvania$77,971
United States$80,734
See the full table
Elizabethtown next to Lancaster County and Pennsylvania
Measure
Elizabethtown
Lancaster County
Pennsylvania
U.S.
Typical home value
$238,700 ▼21% below the county
$301,100
$254,500
$332,700
Typical monthly rent
$1,174 ▼13% below the county
$1,357
$1,209
$1,413
Typical yearly household income
$76,105 ▼12% below the county
$86,959
$77,971
$80,734
Households that own their home
58% ▼12 points below the county
70%
69%
65%
Typical yearly property tax
$3,714 ▼7% below the county
$3,975
$3,311
$3,119
Effective property tax rate
1.56% ▲0.24 points above the county
1.32%
1.3%
0.94%
Renters with high rent for their income
42% ▼5 points below the county
46%
48%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Lancaster 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 Elizabethtown
For a typical $238,700 home in Elizabethtown, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Elizabethtown's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,103a month
Least cash to close
Down payment
$8,355
Cash to close
$15,516
Rate
7.18%
Mortgage insurance
FHA MIP · $106
Conventional, 5% down$2,059a month
Down payment
$11,935
Cash to close
$19,096
Rate
7.18%
Mortgage insurance
PMI · $113
Conventional, 20% down, no PMI$1,703a month
Down payment
$47,740
Cash to close
$54,901
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,924a month
Down payment
$35,805
Cash to close
$42,966
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Elizabethtown
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,103
$8,355
$234,377
7.18%
FHA MIP · $106
$15,516
580
Conventional, 5% down
$2,059
$11,935
$226,765
7.18%
PMI · $113
$19,096
620*
Conventional, 20% down, no PMI
$1,703
$47,740
$190,960
7.18%
None
$54,901
620*
ITIN, 15% down (example)
$1,924
$35,805
$202,895
8.18%
None
$42,966
Set by the lender
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.
Typical rent in Elizabethtown is $1,174 a month: 13% below the county. In Elizabethtown, 42% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Lancaster County, by unit size. To pay the 2-bedroom one ($1,553 a month) without spending more than 30% of your income, you would need to earn $29.87 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Lancaster County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,152
$22.15
$46,080
1 bedroom
$1,256
$24.15
$50,240
2 bedrooms
$1,553
$29.87
$62,120
3 bedrooms
$1,978
$38.04
$79,120
4 bedrooms
$2,041
$39.25
$81,640
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 Elizabethtown
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Elizabethtown is in ZIP code 17022.
For 2 bedrooms it is $1,530: $23 less than the fair market rent for Lancaster County ($1,553).
Fair market rent by ZIP code and size in Elizabethtown, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
17022
$1,130
$1,230
$1,530
$1,940
$2,000
ZIP code2 bd3 bd
17022 $1,530$1,940
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Elizabethtown 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
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 Lancaster County; 1 says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Elizabethtown or Lancaster County. The ones below are statewide in Pennsylvania: they work in Elizabethtown the same as in the rest of the state.
Pennsylvania state agency loan for the down payment and closing costs: up to 4% of the price or $6,000, at 0%, repaid over 10 years.Offered by Pennsylvania Housing Finance Agency (PHFA).
PHFA second loan of 5% of the price (or the appraised value, whichever is lower) for the down payment and closing costs, forgiven 10% each year over ten years; it goes with the Keystone Home Loan mortgage.Offered by Pennsylvania Housing Finance Agency (PHFA).
PHFA 0% second loan with no monthly payments, of 5% of the price (8% if the loan is $150,000 or less, as funds allow) for the down payment and closing costs; repaid when you sell, refinance or pay off the mortgage.Offered by Pennsylvania Housing Finance Agency (PHFA).
The HUD-approved agencies closest to the center of Elizabethtown, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
No legal help resource on our list is for Elizabethtown or Lancaster County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Elizabethtown and all of Lancaster 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 Elizabethtown?
The typical home value in Elizabethtown is $238,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Lancaster County it is $301,100.
How much does it cost to rent in Elizabethtown?
Typical rent in Elizabethtown is $1,174 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Lancaster County is $1,553.
What is the FHA loan limit in Elizabethtown?
Elizabethtown uses the FHA limit for all of Lancaster 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 Elizabethtown?
The typical homeowner in Elizabethtown pays $3,714 a year, according to the U.S. Census Bureau. That is 1.56% of the home’s value; in Lancaster County, the rate is 1.32%.
Where can I find free help to buy or rent in Elizabethtown?
There are 2 HUD-approved counseling agencies with an office in Lancaster County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.
