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City · 16,584 residents · York County, Pennsylvania

Hanover , Pennsylvania

In Hanover, a typical home is worth $212,800 and typical rent is $1,137 a month. Compared with all of York County, typical household income is 28% lower, the typical home value is 14% lower, and the share of households that own their home is 23 points lower.

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  • Typical home value

    $212,800

    14% below the county

    16% below Pennsylvania

    • Hanover
    • York
    • Pennsylvania

  • Typical rent

    $1,137a month

    5% below the county

    6% below Pennsylvania

    • Hanover
    • York
    • Pennsylvania

  • Typical household income

    $61,293a year

    28% below the county

    21% below Pennsylvania

    • Hanover
    • York
    • Pennsylvania

  • Households that own their home

    53%

    23 points below the county

    16 points below Pennsylvania

    • Hanover
    • York
    • Pennsylvania

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

Market now, with Zillow data

Zillow data
Typical home value
$295,012
3.3% more than 12 months ago
Typical rent
$1,401 a month
2.1% more than 12 months ago

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

Hanover is in York 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 York County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Hanover apart

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

  1. 53% of households in Hanover own their home, against 76% in York County.

  2. Nearby, in West York, the typical home value is $123,600: 42% less than in Hanover ($212,800).

  3. The typical household income in Hanover is $61,293, 28% less than in York County as a whole ($84,829).

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

The homes here

Housing in Hanover

What homes there are in Hanover, 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

No kind of home is the majority in Hanover; the largest group, detached houses, adds up to 46%, less than in York County (64%).

Year built

Homes in Hanover are older: the typical year built is 1956; in York County, 1976.

There are fewer big homes in Hanover than in York County: 51% have 3 bedrooms or more, against 71%.

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

With an FHA limit of $541,287, at least 99% of owner-occupied homes in Hanover sit below it: they are worth less than $500,000.

Monthly rent with utilities

With a mortgage

$1,639 a month

York County: $1,765 a month

Without a mortgage

$696 a month

York County: $697 a month

Owners with a mortgage

62%

York County: 64%

Owning costs less in Hanover: with a mortgage, the typical cost is $1,639 a month; in York County, $1,765. Without one, $696.

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 Hanover gained value more slowly than in York County: 37% since 2015–2019, against 40%.

Since 2015–2019, the typical rent in Hanover rose 35%, more than in York County (25%).

Housing prices ran ahead of income in Hanover: typical income rose 18%, against +37% for home values and +35% 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

MeasureHanoverYork CountyPennsylvaniaUnited States
Rental vacancy Unreliable estimate3.3%4.9%5.5%
Homeowner vacancy Unreliable estimate0.5%0.8%0.9%
More than one person per room Unreliable estimate1.3%1.6%3.4%
People per household 2.202.512.392.53
Drive alone 81%77%68%69%
Carpool 9%7%8%9%
Public transit Unreliable estimate1%4%3%
Walk or bike 5%2%4%3%
Work from home 5%12%16%15%
Other means Unreliable estimate1%1%2%
Typical commute 10 to 19 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Hanover has 2.20 people, fewer than in York County (2.51).

To get to work, 81% of workers in Hanover drive alone; in York County, 77%.

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 Hanover?

A typical home costs more than the typical income allows

We start with a typical home in Hanover, worth $212,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 38% of the typical household income in Hanover, which is $61,293 a year. For that payment to be 28% of income, a household would need to earn about $82,861 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Hanover. 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 $7,448 (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

$1,933

at 7.18% · 30 years

Loan amount
$208,946
Total interest
$300,624
Paid off in
November 2056

Includes $3,594 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,430 a month

  • Tight

    $1,430 to $1,839 a month

  • Hard

    more than $1,839 a month

    Your payment · 38%

Compared with the typical household income in Hanover ($61,293 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,933
Principal & interest$1,415
Property tax$335
Home insurance$89
FHA mortgage insurance (MIP)$94

You need at least $7,448 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

Hanover and York County

Hanover is in York 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).

Hanover's own numbers

Typical home value
$212,800
Typical monthly rent
$1,137
Typical yearly household income
$61,293
Households that own their home
53%
Effective property tax rate
1.89%

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

Numbers for all of York County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,327
Price change over 5 years (FHFA)
+54%
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 York County.

Everything about York County

Buying

Buying a home in Hanover

A typical home in Hanover is worth $212,800: 14% below the county and 16% below Pennsylvania. With the typical household income in Hanover ($61,293 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.

  • Hanover 3.5 years
  • York 2.9 years
  • Pennsylvania 3.3 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in York County

According to FHFA’s house price index, home prices in York County rose 82% in the 10 years through 2025.

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

Period County Pennsylvania U.S.
Last year (2025) +5.7% +4.7% +2.9%
5 years (2020–2025) +54% +48% +47%
10 years (2015–2025) +82% +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

Hanover next to York 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
  • Hanover $212,800
  • York $248,600
  • Pennsylvania $254,500
  • United States $332,700
Typical monthly rent
  • Hanover $1,137
  • York $1,193
  • Pennsylvania $1,209
  • United States $1,413
Typical yearly household income
  • Hanover $61,293
  • York $84,829
  • Pennsylvania $77,971
  • United States $80,734
See the full table
Hanover next to York County and Pennsylvania
Measure Hanover York County Pennsylvania U.S.
Typical home value $212,800 $248,600 $254,500 $332,700
Typical monthly rent $1,137 $1,193 $1,209 $1,413
Typical yearly household income $61,293 $84,829 $77,971 $80,734
Households that own their home 53% 76% 69% 65%
Typical yearly property tax $4,017 $4,006 $3,311 $3,119
Effective property tax rate 1.89% 1.61% 1.3% 0.94%
Renters with high rent for their income 46% 48% 48% 51%

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

For a typical $212,800 home in Hanover, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Hanover's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,933a month

    Least cash to close
    Down payment
    $7,448
    Cash to close
    $13,832
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $94

  • Conventional, 5% down $1,894a month

    Down payment
    $10,640
    Cash to close
    $17,024
    Rate
    7.18%
    Mortgage insurance
    PMI · $101

  • Conventional, 20% down, no PMI $1,577a month

    Down payment
    $42,560
    Cash to close
    $48,944
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,774a month

    Down payment
    $31,920
    Cash to close
    $38,304
    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 Hanover and for York County.

Property tax

Effective rate in Hanover

1.89%of the home’s value each year

$4,017 a year for the typical owner in Hanover.

  • Hanover 1.89%
  • York 1.61%
  • Pennsylvania 1.3%

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

Exemptions and deadlines in Pennsylvania

Flood risk in York County

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

Homes in the high-risk zone
1%
1,506
Of those, with NFIP insurance
30%
County Pennsylvania U.S.
Homes in the high-risk zone 1% 2% 3.5%
Of those, with NFIP insurance 30% 23% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Hanover

Typical rent in Hanover is $1,137 a month: 5% below the county. In Hanover, 46% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of York County, by unit size. To pay the 2-bedroom one ($1,327 a month) without spending more than 30% of your income, you would need to earn $25.52 an hour working full time.

HUD fair market rent for all of York 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 $951 $18.29 $38,040
1 bedroom $1,042 $20.04 $41,680
2 bedrooms $1,327 $25.52 $53,080
3 bedrooms $1,757 $33.79 $70,280
4 bedrooms $1,846 $35.50 $73,840

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 Hanover

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Hanover is in ZIP code 17331.

For 2 bedrooms it is $1,370: $43 more than the fair market rent for York County ($1,327).

  • 17331 $1,370$1,830

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

HUD lists 6 buildings with rents for lower incomes in Hanover. These are the largest.

  • Clearview Terrace II 800 Randolph St, Hanover 17331 62 low-income homes · For older adults (717) 632-8081
  • Clearview Terrace I 800 Randolph St, Hanover 17331 50 homes, 40 low-income · For older adults (717) 632-8081
  • Yards at Baltimore ST 406 Baltimore St, Hanover 17331 34 homes, 33 low-income · Studio: 1 · 1 bd: 15 · 2 bd: 2 · 3 bd: 15 · In service since 1997 · For families
  • Senior Residences@hanover Shoe 221 N Franklin St, Hanover 17331 24 low-income homes · 1 bd: 21 · 2 bd: 3 · In service since 2008 · For older adults, people with disabilities
  • Oakview Manor 1880 Oak Hills Dr, Hanover 17331 19 low-income homes · For older adults (717) 630-2754

See all 58 buildings in York County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Hanover

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 is 1 HUD-approved agency with an office in York 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 Hanover

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

Which programs do I qualify for? All programs in Pennsylvania

Housing counselors near Hanover

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

  • Community Progress Council, Inc.

    226 E College Ave, York · 17 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (717) 846-4600

  • Cumberland County Housing and Redevelopment Authorities

    114 N Hanover St, Carlisle · 29 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (717) 249-0789

  • Tri-County HDC LTD

    201 N Front St, Harrisburg · 31 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 4 more
    (717) 231-3604

Every agency in York County All counseling agencies in Pennsylvania

Help in Spanish near Hanover

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 Hanover

In HUD’s record, no housing authority with an office in York County is named for Hanover or York County.

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

Cities

Other cities in York County

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

Everything about York County Housing in Pennsylvania

Nearby cities

The cities closest to Hanover, with the typical home value.

Neighboring counties

If York 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 Hanover.

All guides
Three generations of a family gather on the porch of their home.

Questions

Housing questions about Hanover

Short answers with the numbers for Hanover and all of York 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 Hanover?

The typical home value in Hanover is $212,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in York County it is $248,600.

How much does it cost to rent in Hanover?

Typical rent in Hanover is $1,137 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in York County is $1,327.

What is the FHA loan limit in Hanover?

Hanover uses the FHA limit for all of York 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 Hanover?

The typical homeowner in Hanover pays $4,017 a year, according to the U.S. Census Bureau. That is 1.89% of the home’s value; in York County, the rate is 1.61%.

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

There is 1 HUD-approved counseling agency with an office in York 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).