City · 9,090 residents · Montgomery County, Pennsylvania
Harleysville, Pennsylvania
In Harleysville, a typical home is worth $424,100 and typical rent is $1,772 a month. Compared with all of Montgomery County, typical household income is 6% lower, typical rent is 5% higher, and the share of households that own their home is 8 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $420,614 to $545,135.
Typical rent
$1,976a month
Typical rent from Zillow, March 2026 to September 2026: from $1,950 to $1,976.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Harleysville 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
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Souderton, the typical rent is $1,297: 27% less than in Harleysville ($1,772).
2
Nearby, in Souderton, the typical home value is $320,900: 24% less than in Harleysville ($424,100).
3
63% of households in Harleysville own their home, against 71% in Montgomery County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Harleysville
What homes there are in Harleysville, 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 houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Harleysville
Montgomery County
Pennsylvania
United States
Kind of home: Harleysville and its comparisons
Measure
Harleysville
Montgomery County
Pennsylvania
United States
Detached house
46%
53%
57%
61%
Attached house
26%
20%
19%
6%
Building of 2 to 4
7%
7%
8%
8%
Apartments (5 or more)
22%
19%
13%
19%
Mobile home
Unreliable estimate
1%
4%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
No kind of home is the majority in Harleysville; the largest group, detached houses, adds up to 46%, less than in Montgomery County (53%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Harleysville
Montgomery County
Pennsylvania
United States
Year built: Harleysville and its comparisons
Measure
Harleysville
Montgomery County
Pennsylvania
United States
Before 1960
13%
37%
45%
26%
1960–1979
24%
24%
22%
24%
1980–1999
45%
22%
19%
25%
2000–2009
13%
9%
8%
14%
2010 or later
5%
8%
6%
11%
The typical home in Harleysville was built in 1984, 13 years after the typical one in Montgomery County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300K10%
$300K–$500K53%
$500K–$750K16%
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Harleysville and its comparisons
Measure
Harleysville
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
10%
$300K–$500K
53%
$500K–$750K
16%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49920%
$1,500–$1,99939%
$2,000–$2,49915%
$2,500–$2,999Unreliable
$3,000 or more13%
Monthly rent with utilities: Harleysville and its comparisons
Measure
Harleysville
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
20%
$1,500–$1,999
39%
$2,000–$2,499
15%
$2,500–$2,999
Unreliable estimate
$3,000 or more
13%
With a mortgage
$2,416 a month
Montgomery County: $2,441 a month
Without a mortgage
$911 a month
Montgomery County: $936 a month
Owners with a mortgage
59%
Montgomery County: 66%
In Harleysville, 59% of owners have a mortgage; their typical cost is $2,416 a month, about the same as in Montgomery County.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Harleysville+32%
Montgomery County+38%
Pennsylvania+41%
United States+53%
Typical rent
Harleysville+24%
Montgomery County+30%
Pennsylvania+29%
United States+33%
Typical household income
Harleysville+22%
Montgomery County+24%
Pennsylvania+26%
United States+29%
Change since 2015–2019: Harleysville and its comparisons
Measure
Harleysville
Montgomery County
Pennsylvania
United States
Typical home value
+32%
+38%
+41%
+53%
Typical rent
+24%
+30%
+29%
+33%
Typical household income
+22%
+24%
+26%
+29%
From 2015–2019 to 2020–2024, the typical home value in Harleysville rose 32%; in Montgomery County, it rose 38%.
Rents in Harleysville rose more slowly than in Montgomery County: 24% since 2015–2019, against 30%.
To compare: typical income in Harleysville rose 22%; the home, +32%; the rent, +24%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Harleysville and its comparisons
Measure
Harleysville
Montgomery County
Pennsylvania
United States
Rental vacancy
Unreliable estimate
5.5%
4.9%
5.5%
Homeowner vacancy
Unreliable estimate
0.8%
0.8%
0.9%
More than one person per room
Unreliable estimate
1.8%
1.6%
3.4%
People per household
2.37
2.52
2.39
2.53
Drive alone
66%
64%
68%
69%
Carpool
12%
6%
8%
9%
Public transit
Unreliable estimate
3%
4%
3%
Walk or bike
Unreliable estimate
2%
4%
3%
Work from home
19%
23%
16%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
On average, a household in Harleysville has 2.37 people, fewer than in Montgomery County (2.52).
In Harleysville, 12% of workers share a car to get to work; in Montgomery County, 6%.
Do the math
What would you pay each month for a home in Harleysville?
A typical home costs more than the typical income allows
We start with a typical home in Harleysville, worth $424,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 41% of the typical household income in Harleysville, which is $106,735 a year. For that payment to be 28% of income, a household would need to earn about $157,110 a year.
The calculator's FHA and conventional loan limits are those of all of Montgomery County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Harleysville. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $14,844 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$3,666
at 7.18% · 30 years
Loan amount
$416,418
Total interest
$599,128
Paid off in
November 2056
Includes $7,162 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,490 a month
Tight
$2,490 to $3,202 a month
Hard
more than $3,202 a month
Your payment · 41%
Compared with the typical household income in Harleysville ($106,735 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,821
Property tax
$481
Home insurance
$177
FHA mortgage insurance (MIP)
$188
You need at least $14,844 for the down payment, plus closing costs.
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.
Total monthly payment $3,666; principal and interest $2,821.
The city and its county
Harleysville and Montgomery County
Harleysville 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).
Harleysville
Map of Montgomery County, Pennsylvania, with Harleysville marked. Around it, the neighboring counties.
Harleysville
Montgomery County
Other cities with a page
Harleysville's own numbers
Typical home value
$424,100
Typical monthly rent
$1,772
Typical yearly household income
$106,735
Households that own their home
63%
Effective property tax rate
1.36%
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.
A typical home in Harleysville is worth $424,100: 3% below the county and 67% above Pennsylvania. With the typical household income in Harleysville ($106,735 a year), a typical home costs 4.0 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.
Harleysville4.0 years
Montgomery3.8 years
Pennsylvania3.3 years
United States4.1 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.
Yearly change in FHFA’s price index in Montgomery County, 2016 to 2025
2016: +2.3% +2.3% 2016
2017: +3.2% +3.2% 2017
2018: +3.8% +3.8% 2018
2019: +3.3% +3.3% 2019
2020: +3.3% +3.3% 2020
2021: +10.3% +10.3% 2021
2022: +13.6% +13.6% 2022
2023: +9.3% +9.3% 2023
2024: +5.8% +5.8% 2024
2025: +4.6% +4.6% 2025
Change in FHFA’s price index in Montgomery County, Pennsylvania and the United States
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
Harleysville 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
Harleysville$424,100
Montgomery$436,700
Pennsylvania$254,500
United States$332,700
Typical monthly rent
Harleysville$1,772
Montgomery$1,683
Pennsylvania$1,209
United States$1,413
Typical yearly household income
Harleysville$106,735
Montgomery$113,915
Pennsylvania$77,971
United States$80,734
See the full table
Harleysville next to Montgomery County and Pennsylvania
Measure
Harleysville
Montgomery County
Pennsylvania
U.S.
Typical home value
$424,100 ▼3% below the county
$436,700
$254,500
$332,700
Typical monthly rent
$1,772 ▲5% above the county
$1,683
$1,209
$1,413
Typical yearly household income
$106,735 ▼6% below the county
$113,915
$77,971
$80,734
Households that own their home
63% ▼8 points below the county
71%
69%
65%
Typical yearly property tax
$5,781
$5,875
$3,311
$3,119
Effective property tax rate
1.36% ▲0.01 points above the county
1.35%
1.3%
0.94%
Renters with high rent for their income
50% ▲1 points above the county
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 Harleysville
For a typical $424,100 home in Harleysville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Harleysville's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,666a month
Least cash to close
Down payment
$14,844
Cash to close
$27,567
Rate
7.18%
Mortgage insurance
FHA MIP · $188
Conventional, 5% down$3,588a month
Down payment
$21,205
Cash to close
$33,928
Rate
7.18%
Mortgage insurance
PMI · $201
Conventional, 20% down, no PMI$2,956a month
Down payment
$84,820
Cash to close
$97,543
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$3,348a month
Down payment
$63,615
Cash to close
$76,338
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Harleysville
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,666
$14,844
$416,418
7.18%
FHA MIP · $188
$27,567
580
Conventional, 5% down
$3,588
$21,205
$402,895
7.18%
PMI · $201
$33,928
620*
Conventional, 20% down, no PMI
$2,956
$84,820
$339,280
7.18%
None
$97,543
620*
ITIN, 15% down (example)
$3,348
$63,615
$360,485
8.18%
None
$76,338
Set by the lender
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.
Typical rent in Harleysville is $1,772 a month: 5% above the county. In Harleysville, 50% 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Montgomery County (Fiscal year 2027)
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 Harleysville
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Harleysville is in ZIP code 19438.
For 2 bedrooms it is $2,180: $320 more than the fair market rent for Montgomery County ($1,860).
Fair market rent by ZIP code and size in Harleysville, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
19438
$1,690
$1,830
$2,180
$2,600
$2,870
ZIP code2 bd3 bd
19438 $2,180$2,600
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Harleysville 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
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.
No down payment, repair or rent-help program on our list is for Harleysville or Montgomery County. The ones below are statewide in Pennsylvania: they work in Harleysville the same as in the rest of the state.
Pennsylvania state agency loan for the down payment and closing costs: up to 4% of the price or $6,000, at 0%, repaid over 10 years.Offered by Pennsylvania Housing Finance Agency (PHFA).
PHFA second loan of 5% of the price (or the appraised value, whichever is lower) for the down payment and closing costs, forgiven 10% each year over ten years; it goes with the Keystone Home Loan mortgage.Offered by Pennsylvania Housing Finance Agency (PHFA).
PHFA 0% second loan with no monthly payments, of 5% of the price (8% if the loan is $150,000 or less, as funds allow) for the down payment and closing costs; repaid when you sell, refinance or pay off the mortgage.Offered by Pennsylvania Housing Finance Agency (PHFA).
The HUD-approved agencies closest to the center of Harleysville, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
No legal help resource on our list is for Harleysville or Montgomery County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Harleysville 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 Harleysville?
The typical home value in Harleysville is $424,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Montgomery County it is $436,700.
How much does it cost to rent in Harleysville?
Typical rent in Harleysville is $1,772 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Montgomery County is $1,860.
What is the FHA loan limit in Harleysville?
Harleysville 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 Harleysville?
The typical homeowner in Harleysville pays $5,781 a year, according to the U.S. Census Bureau. That is 1.36% of the home’s value; in Montgomery County, the rate is 1.35%.
Where can I find free help to buy or rent in Harleysville?
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.
