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City · 7,830 residents · Mercer County, Pennsylvania

Grove City , Pennsylvania

In Grove City, a typical home is worth $171,600 and typical rent is $906 a month. Compared with all of Mercer County, typical rent is 7% higher and the share of households that own their home is 16 points lower.

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  • Typical home value

    $171,600

    5% above the county

    33% below Pennsylvania

    • Grove City
    • Mercer
    • Pennsylvania

  • Typical rent

    $906a month

    7% above the county

    25% below Pennsylvania

    • Grove City
    • Mercer
    • Pennsylvania

  • Typical household income

    $57,169a year

    5% below the county

    27% below Pennsylvania

    • Grove City
    • Mercer
    • Pennsylvania

  • Households that own their home

    57%

    16 points below the county

    13 points below Pennsylvania

    • Grove City
    • Mercer
    • Pennsylvania

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

Market now, with Zillow data

Zillow data
Typical home value
$227,477
5.7% less than 12 months ago
Typical rent
$1,117 a month
4% more than 12 months ago

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

Grove City is in Mercer 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 Mercer County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Grove 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: 55% less than in Grove City ($171,600).

  2. According to Zillow, in the 12 months to September 2026 the typical home value in Grove City fell 5.7%; in Pennsylvania, it rose 2.2%.

  3. 57% of households in Grove City own their home, against 72% in Mercer County.

  4. Nearby, in Franklin, the typical rent is $731: 19% less than in Grove City ($906).

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

The homes here

Housing in Grove City

What homes there are in Grove 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

Detached houses are the majority in Grove City (63%), but less so than in Mercer County (75%).

Year built

In Grove City, half of the homes were built before 1953; in Mercer County, before 1963.

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

$1,221 a month

Mercer County: $1,266 a month

Without a mortgage

$460 a month

Mercer County: $508 a month

Owners with a mortgage

49%

Mercer County: 48%

In Grove City, 49% of owners have a mortgage; their typical cost is $1,221 a month, about the same as in Mercer County.

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

From 2015–2019 to 2020–2024, home values in Grove City rose at about the same pace as in Mercer County: 36% against 35%.

The typical rent in Grove City rose 25% since 2015–2019, about the same as in Mercer County (22%).

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

MeasureGrove CityMercer CountyPennsylvaniaUnited States
Rental vacancy Unreliable estimate3.6%4.9%5.5%
Homeowner vacancy Unreliable estimate1.3%0.8%0.9%
More than one person per room Unreliable estimate1.1%1.6%3.4%
People per household 2.062.212.392.53
Drive alone 64%80%68%69%
Carpool 5%6%8%9%
Public transit Unreliable estimateUnreliable estimate4%3%
Walk or bike 13%3%4%3%
Work from home 16%9%16%15%
Other means Unreliable estimate2%1%2%
Typical commute Unreliable estimate10 to 19 minutes20 to 29 minutes20 to 29 minutes

Households in Grove City are smaller: 2.06 people on average; in Mercer County, 2.21.

More people walk or bike to work in Grove City: 13%, against 3% in Mercer 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 Grove City?

A typical home is tight for the typical income

We start with a typical home in Grove City, worth $171,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 29% of the typical household income in Grove City, which is $57,169 a year. For that payment to be 28% of income, a household would need to earn about $59,770 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Grove 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 $6,006 (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

$1,395

at 7.18% · 30 years

Loan amount
$168,492
Total interest
$242,420
Paid off in
November 2056

Includes $2,898 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,334 a month

  • Tight

    $1,334 to $1,715 a month

    Your payment · 29%

  • Hard

    more than $1,715 a month

Compared with the typical household income in Grove City ($57,169 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,395
Principal & interest$1,141
Property tax$106
Home insurance$72
FHA mortgage insurance (MIP)$76

You need at least $6,006 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

Grove City and Mercer County

Grove City is in Mercer 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).

Grove City's own numbers

Typical home value
$171,600
Typical monthly rent
$906
Typical yearly household income
$57,169
Households that own their home
57%
Effective property tax rate
0.74%

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

Numbers for all of Mercer County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,028
Price change over 5 years (FHFA)
+47%
Homes in a high flood-risk zone
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 Mercer County.

Everything about Mercer County

Buying

Buying a home in Grove City

A typical home in Grove City is worth $171,600: 5% above the county and 33% below Pennsylvania. With the typical household income in Grove City ($57,169 a year), a typical home costs 3.0 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.

  • Grove City 3.0 years
  • Mercer 2.7 years
  • Pennsylvania 3.3 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Mercer County

According to FHFA’s house price index, home prices in Mercer County rose 67% in the 10 years through 2025.

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

Period County Pennsylvania U.S.
Last year (2025) +1.8% +4.7% +2.9%
5 years (2020–2025) +47% +48% +47%
10 years (2015–2025) +67% +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

Grove City next to Mercer 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
  • Grove City $171,600
  • Mercer $164,000
  • Pennsylvania $254,500
  • United States $332,700
Typical monthly rent
  • Grove City $906
  • Mercer $843
  • Pennsylvania $1,209
  • United States $1,413
Typical yearly household income
  • Grove City $57,169
  • Mercer $59,976
  • Pennsylvania $77,971
  • United States $80,734
See the full table
Grove City next to Mercer County and Pennsylvania
Measure Grove City Mercer County Pennsylvania U.S.
Typical home value $171,600 $164,000 $254,500 $332,700
Typical monthly rent $906 $843 $1,209 $1,413
Typical yearly household income $57,169 $59,976 $77,971 $80,734
Households that own their home 57% 72% 69% 65%
Typical yearly property tax $1,278 $1,936 $3,311 $3,119
Effective property tax rate 0.74% 1.18% 1.3% 0.94%
Renters with high rent for their income 39% 46% 48% 51%

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

For a typical $171,600 home in Grove City, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Grove City's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,395a month

    Least cash to close
    Down payment
    $6,006
    Cash to close
    $11,154
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $76

  • Conventional, 5% down $1,363a month

    Down payment
    $8,580
    Cash to close
    $13,728
    Rate
    7.18%
    Mortgage insurance
    PMI · $82

  • Conventional, 20% down, no PMI $1,107a month

    Down payment
    $34,320
    Cash to close
    $39,468
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,266a month

    Down payment
    $25,740
    Cash to close
    $30,888
    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 Grove City and for Mercer County.

Property tax

Effective rate in Grove City

0.74%of the home’s value each year

$1,278 a year for the typical owner in Grove City.

  • Grove City 0.74%
  • Mercer 1.18%
  • Pennsylvania 1.3%

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

Exemptions and deadlines in Pennsylvania

Flood risk in Mercer County

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

Homes in the high-risk zone
1%
484
Of those, with NFIP insurance
8.7%
County Pennsylvania U.S.
Homes in the high-risk zone 1% 2% 3.5%
Of those, with NFIP insurance 8.7% 23% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Grove City

Typical rent in Grove City is $906 a month: 7% above the county. In Grove City, 39% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Mercer County, by unit size. To pay the 2-bedroom one ($1,028 a month) without spending more than 30% of your income, you would need to earn $19.77 an hour working full time.

HUD fair market rent for all of Mercer 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 $716 $13.77 $28,640
1 bedroom $810 $15.58 $32,400
2 bedrooms $1,028 $19.77 $41,120
3 bedrooms $1,423 $27.37 $56,920
4 bedrooms $1,615 $31.06 $64,600

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 Grove City

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Grove City is in ZIP code 16127.

For 2 bedrooms it is $1,050: $22 more than the fair market rent for Mercer County ($1,028).

  • 16127 $1,050$1,450

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

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

  • Tishco College View Towers 301 S Broad St, Grove City 16127 103 homes, 102 low-income · 1 bd: 103 · In service since 2016 · For older adults (724) 458-5633
  • Fellowship Manor 19 Orchard Dr, Grove City 16127 75 low-income homes · For older adults (724) 458-8116
  • Liberty Crossing 10 Enclave Dr, Grove City 16127 35 low-income homes · 3 bd: 26 · 4 bd: 9 · In service since 2014 · For people with disabilities, families

See all 41 buildings in Mercer County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Grove 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 Mercer County; none says it serves in Spanish.

A man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in Grove City

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

Which programs do I qualify for? All programs in Pennsylvania

Housing counselors near Grove City

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

  • Housing Opportunities, Inc.

    2418 Wilmington Rd, New Castle · 16 miles away

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

  • Don Services

    101 S Mercer St, New Castle · 17 miles away

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

  • Shenango Valley Urban League

    601 Indiana Ave, Farrell · 21 miles away

    • Mortgage delinquency and default
    • Homelessness services
    • and 2 more
    (724) 981-5310

Every agency in Mercer County All counseling agencies in Pennsylvania

Help in Spanish near Grove 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 Grove City

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

  • Mercer County Housing Authority Public housing and Section 8 vouchers (724) 342-4000

All housing agencies in Pennsylvania Source: HUD

Cities

Other cities in Mercer County

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

Everything about Mercer County Housing in Pennsylvania

Nearby cities

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

Neighboring counties

If Mercer 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 Grove City.

All guides
A mother holding her baby watches her daughter blow bubbles outdoors.

Questions

Housing questions about Grove City

Short answers with the numbers for Grove City and all of Mercer 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 Grove City?

The typical home value in Grove City is $171,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Mercer County it is $164,000.

How much does it cost to rent in Grove City?

Typical rent in Grove City is $906 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Mercer County is $1,028.

What is the FHA loan limit in Grove City?

Grove City uses the FHA limit for all of Mercer 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 Grove City?

The typical homeowner in Grove City pays $1,278 a year, according to the U.S. Census Bureau. That is 0.74% of the home’s value; in Mercer County, the rate is 1.18%.

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

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