Español

Este sitio también está en español. Leer en español

City · 7,532 residents · Lawrence County, Pennsylvania

Ellwood City , Pennsylvania

In Ellwood City, a typical home is worth $122,800 and typical rent is $865 a month. Compared with all of Lawrence County, the typical home value is 17% lower, typical household income is 8% higher, and the share of households that own their home is 5 points lower.

WhatsApp

  • Typical home value

    $122,800

    17% below the county

    52% below Pennsylvania

    • Ellwood City
    • Lawrence
    • Pennsylvania

  • Typical rent

    $865a month

    4% above the county

    28% below Pennsylvania

    • Ellwood City
    • Lawrence
    • Pennsylvania

  • Typical household income

    $67,138a year

    8% above the county

    14% below Pennsylvania

    • Ellwood City
    • Lawrence
    • Pennsylvania

  • Households that own their home

    71%

    5 points below the county

    1 points above Pennsylvania

    • Ellwood City
    • Lawrence
    • Pennsylvania

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

Market now, with Zillow data

Zillow data
Typical home value
$159,281
0.8% more than 12 months ago

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

Ellwood City is in Lawrence 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 Lawrence County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Ellwood City apart

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

  1. Nearby, in New Castle, the typical home value is $77,400: 37% less than in Ellwood City ($122,800).

  2. Nearby, in Beaver Falls, the typical rent is $727: 16% less than in Ellwood City ($865).

  3. The typical home in Ellwood City is worth $122,800, 17% less than in Lawrence County as a whole ($147,200).

  4. Ellwood City has the 19th smallest share of rent-burdened renters of the 232 cities in Pennsylvania with more than 5,000 people (33%).

  5. 71% of households in Ellwood City own their home, against 76% in Lawrence County.

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

The homes here

Housing in Ellwood City

What homes there are in Ellwood City, 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

The detached house is the most common home in Ellwood City: 77% of homes, near the figure in Lawrence County (78%).

Year built

Homes in Ellwood City are older: the typical year built is 1944; in Lawrence County, 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

HUD's 2-bedroom fair market rent (FMR) for Lawrence County is $1,095; about 72% of rents in Ellwood City are below it.

With a mortgage

$1,192 a month

Lawrence County: $1,290 a month

Without a mortgage

$561 a month

Lawrence County: $543 a month

Owners with a mortgage

57%

Lawrence County: 53%

In Ellwood City, 57% of owners have a mortgage, and their typical cost is $1,192 a month, against $1,290 in Lawrence County. Without one it drops to $561.

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 Ellwood City rose 26% since 2015–2019, less than in Lawrence County (32%).

The typical rent in Ellwood City rose 28% over the same time; in Lawrence County, it rose 19%.

Here income gained ground: typical income rose 45%, against +26% for home values and +28% for rent.

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

MeasureEllwood CityLawrence CountyPennsylvaniaUnited States
Rental vacancy Unreliable estimate3.8%4.9%5.5%
Homeowner vacancy Unreliable estimate0.6%0.8%0.9%
More than one person per room Unreliable estimate0.6%1.6%3.4%
People per household 2.012.292.392.53
Drive alone 70%76%68%69%
Carpool 13%7%8%9%
Public transit Unreliable estimate1%4%3%
Walk or bike Unreliable estimate2%4%3%
Work from home 11%13%16%15%
Other means Unreliable estimate1%1%2%
Typical commute 20 to 29 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 2.01 on average, against 2.29 in Lawrence County.

More people carpool to work in Ellwood City than in Lawrence County: 13% against 7%.

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 Ellwood City?

A typical home is within reach of the typical income

We start with a typical home in Ellwood City, worth $122,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 19% of the typical household income in Ellwood City, which is $67,138 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Ellwood City. 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 $4,298 (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

$1,069

at 7.18% · 30 years

Loan amount
$120,576
Total interest
$173,480
Paid off in
November 2056

Includes $2,074 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,567 a month

    Your payment · 19%

  • Tight

    $1,567 to $2,014 a month

  • Hard

    more than $2,014 a month

Compared with the typical household income in Ellwood City ($67,138 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,069
Principal & interest$817
Property tax$146
Home insurance$51
FHA mortgage insurance (MIP)$54

You need at least $4,298 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

Ellwood City and Lawrence County

Ellwood City is in Lawrence 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).

Ellwood City's own numbers

Typical home value
$122,800
Typical monthly rent
$865
Typical yearly household income
$67,138
Households that own their home
71%
Effective property tax rate
1.43%

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

Numbers for all of Lawrence County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,095
Price change over 5 years (FHFA)
+50%
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 Lawrence County.

Everything about Lawrence County

Buying

Buying a home in Ellwood City

A typical home in Ellwood City is worth $122,800: 17% below the county and 52% below Pennsylvania. With the typical household income in Ellwood City ($67,138 a year), a typical home costs 1.8 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.

  • Ellwood City 1.8 years
  • Lawrence 2.4 years
  • Pennsylvania 3.3 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Lawrence County

According to FHFA’s house price index, home prices in Lawrence County rose 74% in the 10 years through 2025.

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

Period County Pennsylvania U.S.
Last year (2025) +6.4% +4.7% +2.9%
5 years (2020–2025) +50% +48% +47%
10 years (2015–2025) +74% +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

Ellwood City next to Lawrence 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
  • Ellwood City $122,800
  • Lawrence $147,200
  • Pennsylvania $254,500
  • United States $332,700
Typical monthly rent
  • Ellwood City $865
  • Lawrence $831
  • Pennsylvania $1,209
  • United States $1,413
Typical yearly household income
  • Ellwood City $67,138
  • Lawrence $61,931
  • Pennsylvania $77,971
  • United States $80,734
See the full table
Ellwood City next to Lawrence County and Pennsylvania
Measure Ellwood City Lawrence County Pennsylvania U.S.
Typical home value $122,800 $147,200 $254,500 $332,700
Typical monthly rent $865 $831 $1,209 $1,413
Typical yearly household income $67,138 $61,931 $77,971 $80,734
Households that own their home 71% 76% 69% 65%
Typical yearly property tax $1,755 $1,967 $3,311 $3,119
Effective property tax rate 1.43% 1.34% 1.3% 0.94%
Renters with high rent for their income 33% 51% 48% 51%

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

For a typical $122,800 home in Ellwood City, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Ellwood City's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,069a month

    Least cash to close
    Down payment
    $4,298
    Cash to close
    $7,982
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $54

  • Conventional, 5% down $1,046a month

    Down payment
    $6,140
    Cash to close
    $9,824
    Rate
    7.18%
    Mortgage insurance
    PMI · $58

  • Conventional, 20% down, no PMI $863a month

    Down payment
    $24,560
    Cash to close
    $28,244
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $977a month

    Down payment
    $18,420
    Cash to close
    $22,104
    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 Ellwood City and for Lawrence County.

Property tax

Effective rate in Ellwood City

1.43%of the home’s value each year

$1,755 a year for the typical owner in Ellwood City.

  • Ellwood City 1.43%
  • Lawrence 1.34%
  • Pennsylvania 1.3%

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

Exemptions and deadlines in Pennsylvania

Flood risk in Lawrence County

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

Homes in the high-risk zone
1.6%
569
Of those, with NFIP insurance
15%
County Pennsylvania U.S.
Homes in the high-risk zone 1.6% 2% 3.5%
Of those, with NFIP insurance 15% 23% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Ellwood City

Typical rent in Ellwood City is $865 a month: 4% above the county. In Ellwood City, 33% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Lawrence County, by unit size. To pay the 2-bedroom one ($1,095 a month) without spending more than 30% of your income, you would need to earn $21.06 an hour working full time.

HUD fair market rent for all of Lawrence 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 $763 $14.67 $30,520
1 bedroom $844 $16.23 $33,760
2 bedrooms $1,095 $21.06 $43,800
3 bedrooms $1,516 $29.15 $60,640
4 bedrooms $1,682 $32.35 $67,280

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 Ellwood City

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Ellwood City is in ZIP code 16117.

For 2 bedrooms it is $1,110: $15 more than the fair market rent for Lawrence County ($1,095).

  • 16117 $1,110$1,500

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

HUD lists 2 buildings with rents for lower incomes in Ellwood City. These are the largest.

  • Walnut Ridge 630 Crescent Ave, Ellwood City 16117 145 homes, 143 low-income · Run by Housing Auth Co of Lawrence · Average payment: $312 a month · Average wait: 7 months (724) 656-5100
  • RJ Schill 410 Short St, Ellwood City 16117 72 homes, 70 low-income · For older adults (724) 752-9660

See all 21 buildings in Lawrence County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Ellwood City

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 Lawrence County; none says it serves in Spanish.

A grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in Ellwood City

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

Which programs do I qualify for? All programs in Pennsylvania

Housing counselors near Ellwood City

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

  • Don Services

    101 S Mercer St, New Castle · 10 miles away

    • Budget and credit workshops
    • Fair housing pre-purchase workshops
    • and 3 more
    (724) 652-5144

  • Housing Opportunities, Inc.

    293 Pinney St, Rochester · 11 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (724) 728-7511

  • Housing Opportunities, Inc.

    2418 Wilmington Rd, New Castle · 12 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 2 more
    (724) 728-7511

Every agency in Lawrence County All counseling agencies in Pennsylvania

Help in Spanish near Ellwood City

None 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 Ellwood City

In HUD’s record, no housing authority with an office in Lawrence County is named for Ellwood City or Lawrence County.

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

Cities

Other cities in Lawrence County

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

Everything about Lawrence County Housing in Pennsylvania

Nearby cities

The cities closest to Ellwood City, with the typical home value.

Neighboring counties

If Lawrence 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 Ellwood City.

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

Questions

Housing questions about Ellwood City

Short answers with the numbers for Ellwood City and all of Lawrence 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 Ellwood City?

The typical home value in Ellwood City is $122,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Lawrence County it is $147,200.

How much does it cost to rent in Ellwood City?

Typical rent in Ellwood City is $865 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Lawrence County is $1,095.

What is the FHA loan limit in Ellwood City?

Ellwood City uses the FHA limit for all of Lawrence 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 Ellwood City?

The typical homeowner in Ellwood City pays $1,755 a year, according to the U.S. Census Bureau. That is 1.43% of the home’s value; in Lawrence County, the rate is 1.34%.

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

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