Español

Este sitio también está en español. Leer en español

City · 6,271 residents · Montgomery County, Pennsylvania

Fort Washington , Pennsylvania

In Fort Washington, a typical home is worth $575,600. Compared with all of Montgomery County, typical household income is 46% higher, the typical home value is 32% higher, and the share of households that own their home is 9 points higher.

WhatsApp

  • Typical home value

    $575,600

    32% above the county

    126% above Pennsylvania

    • Fort Washington
    • Montgomery
    • Pennsylvania

  • Typical household income

    $166,321a year

    46% above the county

    113% above Pennsylvania

    • Fort Washington
    • Montgomery
    • Pennsylvania

  • Households that own their home

    81%

    9 points above the county

    11 points above Pennsylvania

    • Fort Washington
    • Montgomery
    • Pennsylvania

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

Market now, with Zillow data

Zillow data
Typical home value
$760,356
2.2% more than 12 months ago
Typical rent
$2,558 a month

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

Fort Washington is in Montgomery 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 Montgomery County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Fort Washington apart

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

  1. Nearby, in Roslyn, the typical home value is $328,800: 43% less than in Fort Washington ($575,600).

  2. Fort Washington has the 10th highest typical household income of the 272 cities in Pennsylvania with more than 5,000 people ($166,321).

  3. Fort Washington has the 11th highest typical home value of the 273 cities in Pennsylvania with more than 5,000 people ($575,600).

  4. 81% of households in Fort Washington own their home, against 71% in Montgomery County.

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

The homes here

Housing in Fort Washington

What homes there are in Fort Washington, 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

In Fort Washington, 7 in 10 homes are single-family detached houses; in Montgomery County, 5.

Year built

In Fort Washington, half of the homes were built before 1968; in Montgomery County, before 1971.

In Fort Washington, 76% of homes have 3 bedrooms or more, more than in Montgomery County (67%).

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

$2,836 a month

Montgomery County: $2,441 a month

Without a mortgage

$1,208 a month

Montgomery County: $936 a month

Owners with a mortgage

61%

Montgomery County: 66%

In Fort Washington, 61% of owners have a mortgage, and their typical cost is $2,836 a month, against $2,441 in Montgomery County. Without one it drops to $1,208.

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

Homes in Fort Washington gained value more slowly than in Montgomery County: 33% since 2015–2019, against 38%.

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

MeasureFort WashingtonMontgomery CountyPennsylvaniaUnited States
Rental vacancy Unreliable estimate5.5%4.9%5.5%
Homeowner vacancy Unreliable estimate0.8%0.8%0.9%
More than one person per room Unreliable estimate1.8%1.6%3.4%
People per household 2.702.522.392.53
Drive alone 57%64%68%69%
Carpool Unreliable estimate6%8%9%
Public transit Unreliable estimate3%4%3%
Walk or bike Unreliable estimate2%4%3%
Work from home 33%23%16%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

More people live in each home here: 2.70 on average, against 2.52 in Montgomery County.

In Fort Washington, 33% of workers work from home, more than in Montgomery County (23%).

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 Fort Washington?

A typical home costs more than the typical income allows

We start with a typical home in Fort Washington, worth $575,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 36% of the typical household income in Fort Washington, which is $166,321 a year. For that payment to be 28% of income, a household would need to earn about $214,878 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Fort Washington. 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 $20,146 (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

$5,014

at 7.18% · 30 years

Loan amount
$565,174
Total interest
$813,153
Paid off in
November 2056

Includes $9,720 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,881 a month

  • Tight

    $3,881 to $4,990 a month

  • Hard

    more than $4,990 a month

    Your payment · 36%

Compared with the typical household income in Fort Washington ($166,321 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$5,014
Principal & interest$3,829
Property tax$691
Home insurance$240
FHA mortgage insurance (MIP)$255

You need at least $20,146 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

Fort Washington and Montgomery County

Fort Washington is in Montgomery 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).

Fort Washington's own numbers

Typical home value
$575,600
Typical yearly household income
$166,321
Households that own their home
81%
Effective property tax rate
1.44%

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

Numbers for all of Montgomery 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)
+52%
Homes in a high flood-risk zone
0.9%

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 Montgomery County.

Everything about Montgomery County

Buying

Buying a home in Fort Washington

A typical home in Fort Washington is worth $575,600: 32% above the county and 126% above Pennsylvania. With the typical household income in Fort Washington ($166,321 a year), a typical home costs 3.5 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.

  • Fort Washington 3.5 years
  • Montgomery 3.8 years
  • Pennsylvania 3.3 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Montgomery County

According to FHFA’s house price index, home prices in Montgomery County rose 77% in the 10 years through 2025.

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

Period County Pennsylvania U.S.
Last year (2025) +4.6% +4.7% +2.9%
5 years (2020–2025) +52% +48% +47%
10 years (2015–2025) +77% +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

Fort Washington next to Montgomery 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
  • Fort Washington $575,600
  • Montgomery $436,700
  • Pennsylvania $254,500
  • United States $332,700
Typical yearly household income
  • Fort Washington $166,321
  • Montgomery $113,915
  • Pennsylvania $77,971
  • United States $80,734
See the full table
Fort Washington next to Montgomery County and Pennsylvania
Measure Fort Washington Montgomery County Pennsylvania U.S.
Typical home value $575,600 $436,700 $254,500 $332,700
Typical yearly household income $166,321 $113,915 $77,971 $80,734
Households that own their home 81% 71% 69% 65%
Typical yearly property tax $8,290 $5,875 $3,311 $3,119
Effective property tax rate 1.44% 1.35% 1.3% 0.94%
Renters with high rent for their income 61% 49% 48% 51%

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

For a typical $575,600 home in Fort Washington, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Fort Washington's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $5,014a month

    Least cash to close
    Down payment
    $20,146
    Cash to close
    $37,414
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $255

  • Conventional, 5% down $4,908a month

    Down payment
    $28,780
    Cash to close
    $46,048
    Rate
    7.18%
    Mortgage insurance
    PMI · $273

  • Conventional, 20% down, no PMI $4,050a month

    Down payment
    $115,120
    Cash to close
    $132,388
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,582a month

    Down payment
    $86,340
    Cash to close
    $103,608
    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 Fort Washington and for Montgomery County.

Property tax

Effective rate in Fort Washington

1.44%of the home’s value each year

$8,290 a year for the typical owner in Fort Washington.

  • Fort Washington 1.44%
  • Montgomery 1.35%
  • Pennsylvania 1.3%

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

Exemptions and deadlines in Pennsylvania

Flood risk in Montgomery County

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

Homes in the high-risk zone
0.9%
2,407
Of those, with NFIP insurance
47%
County Pennsylvania U.S.
Homes in the high-risk zone 0.9% 2% 3.5%
Of those, with NFIP insurance 47% 23% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Fort Washington

The Census Bureau publishes no typical rent for Fort Washington. Below are the fair market rents for Montgomery County. In Fort Washington, 61% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Montgomery 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 Montgomery 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 Fort Washington

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Fort Washington is in ZIP code 19034.

For 2 bedrooms it is $1,900: $40 more than the fair market rent for Montgomery County ($1,860).

  • 19034 $1,900$2,260

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

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 Montgomery County; 1 says it serves in Spanish.

A young man and a young woman look something up together on a laptop.

HUD counseling is free or low-cost

Assistance programs in Fort Washington

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

Which programs do I qualify for? All programs in Pennsylvania

Housing counselors near Fort Washington

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

  • West Oak Lane Community Development

    1624 E Wadsworth Ave, Philadelphia · 4 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 2 more
    (215) 224-8339

  • CCCS of Delaware Valley, Inc. DBA Clarifi

    101 Greenwood Avenue, Jenkintown · 4 miles away · Spanish

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

  • MT. Airy CDC

    6703 Germantown Ave, Philadelphia · 6 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (215) 844-6021

Every agency in Montgomery County All counseling agencies in Pennsylvania

Help in Spanish near Fort Washington

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 Fort Washington

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

  • Montgomery County Housing Authority Public housing and Section 8 vouchers (610) 275-5720

All housing agencies in Pennsylvania Source: HUD

Cities

Other cities in Montgomery County

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

Everything about Montgomery County Housing in Pennsylvania
See 20 more cities in Montgomery County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Fort Washington, with the typical home value.

Neighboring counties

If Montgomery 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 Fort Washington.

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

Questions

Housing questions about Fort Washington

Short answers with the numbers for Fort Washington and all of Montgomery 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 Fort Washington?

The typical home value in Fort Washington is $575,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Montgomery County it is $436,700.

What is the FHA loan limit in Fort Washington?

Fort Washington uses the FHA limit for all of Montgomery 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 Fort Washington?

The typical homeowner in Fort Washington pays $8,290 a year, according to the U.S. Census Bureau. That is 1.44% of the home’s value; in Montgomery County, the rate is 1.35%.

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

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