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City · 8,671 residents · Delaware County, Pennsylvania

Folsom , Pennsylvania

In Folsom, a typical home is worth $280,100 and typical rent is $1,540 a month. Compared with all of Delaware County, typical household income is 26% higher, the typical home value is 16% lower, and the share of households that own their home is 15 points higher.

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  • Typical home value

    $280,100

    16% below the county

    10% above Pennsylvania

    • Folsom
    • Delaware
    • Pennsylvania

  • Typical rent

    $1,540a month

    12% above the county

    27% above Pennsylvania

    • Folsom
    • Delaware
    • Pennsylvania

  • Typical household income

    $113,064a year

    26% above the county

    45% above Pennsylvania

    • Folsom
    • Delaware
    • Pennsylvania

  • Households that own their home

    84%

    15 points above the county

    15 points above Pennsylvania

    • Folsom
    • Delaware
    • Pennsylvania

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

Market now, with Zillow data

Zillow data
Typical home value
$326,296
0.8% more than 12 months ago

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

Folsom 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 Folsom apart

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

  1. 84% of households in Folsom own their home, against 70% in Delaware County.

  2. Nearby, in Prospect Park, the typical rent is $1,183: 23% less than in Folsom ($1,540).

  3. The typical household income in Folsom is $113,064, 26% more than in Delaware County as a whole ($89,546).

  4. Nearby, in Woodlyn, the typical home value is $230,400: 18% less than in Folsom ($280,100).

  5. The typical home in Folsom is worth $280,100, 16% less than in Delaware County as a whole ($332,200).

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

The homes here

Housing in Folsom

What homes there are in Folsom, 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 rules in Folsom: 56% of homes, more than in Delaware County (44%).

Year built

In Folsom, half of the homes were built before 1957; 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

$2,075 a month

Delaware County: $2,222 a month

Without a mortgage

$883 a month

Delaware County: $884 a month

Owners with a mortgage

71%

Delaware County: 63%

Owning costs less in Folsom: with a mortgage, the typical cost is $2,075 a month; in Delaware County, $2,222. Without one, $883.

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 Delaware County, the typical home value in Folsom rose 38% since 2015–2019.

Since 2015–2019, the typical rent in Folsom did not change clearly, according to the Census.

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

MeasureFolsomDelaware CountyPennsylvaniaUnited States
Rental vacancy Unreliable estimate4.8%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 2.722.562.392.53
Drive alone 68%64%68%69%
Carpool Unreliable estimate7%8%9%
Public transit Unreliable estimate6%4%3%
Walk or bike Unreliable estimate4%4%3%
Work from home 19%18%16%15%
Other means Unreliable estimate2%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Folsom has 2.72 people, more than in Delaware County (2.56).

In Folsom, 68% of workers drive alone to work; in Delaware County, 64%.

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 Folsom?

A typical home is within reach of the typical income

We start with a typical home in Folsom, worth $280,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 28% of the typical household income in Folsom, which is $113,064 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 Folsom. 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 $9,804 (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

$2,622

at 7.18% · 30 years

Loan amount
$275,026
Total interest
$395,698
Paid off in
November 2056

Includes $4,730 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,638 a month

    Your payment · 28%

  • Tight

    $2,638 to $3,392 a month

  • Hard

    more than $3,392 a month

Compared with the typical household income in Folsom ($113,064 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,622
Principal & interest$1,863
Property tax$518
Home insurance$117
FHA mortgage insurance (MIP)$124

You need at least $9,804 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

Folsom and Delaware County

Folsom 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).

Folsom's own numbers

Typical home value
$280,100
Typical monthly rent
$1,540
Typical yearly household income
$113,064
Households that own their home
84%
Effective property tax rate
2.22%

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 Folsom

A typical home in Folsom is worth $280,100: 16% below the county and 10% above Pennsylvania. With the typical household income in Folsom ($113,064 a year), a typical home costs 2.5 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.

  • Folsom 2.5 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

Folsom 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
  • Folsom $280,100
  • Delaware $332,200
  • Pennsylvania $254,500
  • United States $332,700
Typical monthly rent
  • Folsom $1,540
  • Delaware $1,372
  • Pennsylvania $1,209
  • United States $1,413
Typical yearly household income
  • Folsom $113,064
  • Delaware $89,546
  • Pennsylvania $77,971
  • United States $80,734
See the full table
Folsom next to Delaware County and Pennsylvania
Measure Folsom Delaware County Pennsylvania U.S.
Typical home value $280,100 $332,200 $254,500 $332,700
Typical monthly rent $1,540 $1,372 $1,209 $1,413
Typical yearly household income $113,064 $89,546 $77,971 $80,734
Households that own their home 84% 70% 69% 65%
Typical yearly property tax $6,206 $6,124 $3,311 $3,119
Effective property tax rate 2.22% 1.84% 1.3% 0.94%
Renters with high rent for their income 54% 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 Folsom

For a typical $280,100 home in Folsom, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Folsom's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,622a month

    Least cash to close
    Down payment
    $9,804
    Cash to close
    $18,207
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $124

  • Conventional, 5% down $2,571a month

    Down payment
    $14,005
    Cash to close
    $22,408
    Rate
    7.18%
    Mortgage insurance
    PMI · $133

  • Conventional, 20% down, no PMI $2,153a month

    Down payment
    $56,020
    Cash to close
    $64,423
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,412a month

    Down payment
    $42,015
    Cash to close
    $50,418
    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 Folsom and for Delaware County.

Property tax

Effective rate in Folsom

2.22%of the home’s value each year

$6,206 a year for the typical owner in Folsom.

  • Folsom 2.22%
  • 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 Folsom

Typical rent in Folsom is $1,540 a month: 12% above the county. In Folsom, 54% 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 Folsom

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

For 2 bedrooms it runs from $1,740 in 19033 to $1,850 in 19081.

None is above the fair market rent for Delaware County ($1,860).

  • 19033 $1,740$2,070
  • 19081 $1,850$2,200

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Folsom 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?

Free help

Help to buy or rent in Folsom

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 man shakes hands with the specialist who helped him with his loan, in the kitchen of his new home.

HUD counseling is free or low-cost

Assistance programs in Folsom

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

Which programs do I qualify for? All programs in Pennsylvania

Housing counselors near Folsom

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

  • Chester Community Improvement Project

    23 E 5th St, Chester · 3 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 4 more
    (610) 876-8663

  • Media Fellowship House

    302 S Jackson St, Media · 4 miles away

    • Mortgage delinquency and default
    • Pre-purchase counseling
    • and 1 more
    (610) 565-0434

  • CCCS of Delaware Valley, Inc. DBA Clarifi

    8600 W Chester Pike, Upper Darby · 6 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 2 more
    (800) 989-2227

Every agency in Delaware County All counseling agencies in Pennsylvania

Help in Spanish near Folsom

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 Folsom

HUD’s record names them for Folsom 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 Folsom, 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 Folsom.

All guides
A family walks a boardwalk trail in the forest; one of them uses a wheelchair.

Questions

Housing questions about Folsom

Short answers with the numbers for Folsom 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 Folsom?

The typical home value in Folsom is $280,100, 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 Folsom?

Typical rent in Folsom is $1,540 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 Folsom?

Folsom 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 Folsom?

The typical homeowner in Folsom pays $6,206 a year, according to the U.S. Census Bureau. That is 2.22% of the home’s value; in Delaware County, the rate is 1.84%.

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

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).