Español

Este sitio también está en español. Leer en español

City · 6,118 residents · Northampton County, Pennsylvania

Hellertown , Pennsylvania

In Hellertown, a typical home is worth $256,200 and typical rent is $1,372 a month. Compared with all of Northampton County, typical household income is 18% lower and the typical home value is 17% lower.

WhatsApp

  • Typical home value

    $256,200

    17% below the county

    About the same as Pennsylvania

    • Hellertown
    • Northampton
    • Pennsylvania

  • Typical rent

    $1,372a month

    About the same as the county

    13% above Pennsylvania

    • Hellertown
    • Northampton
    • Pennsylvania

  • Typical household income

    $72,813a year

    18% below the county

    7% below Pennsylvania

    • Hellertown
    • Northampton
    • Pennsylvania

  • Households that own their home

    67%

    4 points below the county

    3 points below Pennsylvania

    • Hellertown
    • Northampton
    • Pennsylvania

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

Market now, with Zillow data

Zillow data
Typical home value
$379,931
2.8% more than 12 months ago
Typical rent
$2,204 a month

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

Hellertown is in Northampton 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 Northampton County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Hellertown apart

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

  1. Nearby, in Catasauqua, the typical rent is $1,031: 25% less than in Hellertown ($1,372).

  2. Nearby, in Allentown, the typical home value is $206,600: 19% less than in Hellertown ($256,200).

  3. The typical household income in Hellertown is $72,813, 18% less than in Northampton County as a whole ($89,184).

  4. The typical home in Hellertown is worth $256,200, 17% less than in Northampton County as a whole ($308,600).

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

The homes here

Housing in Hellertown

What homes there are in Hellertown, 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, standing on their own, make up 62% of homes here, against 58% in Northampton County.

Year built

Homes in Hellertown are older: the typical year built is 1952; in Northampton County, 1971.

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

$1,684 a month

Northampton County: $1,957 a month

Without a mortgage

$637 a month

Northampton County: $766 a month

Owners with a mortgage

70%

Northampton County: 60%

Owning costs less in Hellertown: with a mortgage, the typical cost is $1,684 a month; in Northampton County, $1,957. Without one, $637.

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 Northampton County, the typical home value in Hellertown rose 38% since 2015–2019.

Rents in Hellertown rose faster than in Northampton County: 38% since 2015–2019, against 29%.

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

MeasureHellertownNorthampton CountyPennsylvaniaUnited States
Rental vacancy Unreliable estimate2.5%4.9%5.5%
Homeowner vacancy Unreliable estimate0.7%0.8%0.9%
More than one person per room Unreliable estimate1.3%1.6%3.4%
People per household 2.472.492.392.53
Drive alone 74%75%68%69%
Carpool Unreliable estimate6%8%9%
Public transit Unreliable estimate1%4%3%
Walk or bike Unreliable estimate2%4%3%
Work from home 19%14%16%15%
Other means Unreliable estimate2%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

By size, households in Hellertown look like those in Northampton County: 2.47 people on average.

Working from home is more common in Hellertown: 19%, against 14% in Northampton 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 Hellertown?

A typical home costs more than the typical income allows

We start with a typical home in Hellertown, worth $256,200, 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 Hellertown, which is $72,813 a year. For that payment to be 28% of income, a household would need to earn about $97,564 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Hellertown. 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 $8,967 (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

$2,276

at 7.18% · 30 years

Loan amount
$251,560
Total interest
$361,935
Paid off in
November 2056

Includes $4,327 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,699 a month

  • Tight

    $1,699 to $2,184 a month

  • Hard

    more than $2,184 a month

    Your payment · 38%

Compared with the typical household income in Hellertown ($72,813 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,276
Principal & interest$1,704
Property tax$352
Home insurance$107
FHA mortgage insurance (MIP)$113

You need at least $8,967 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

Hellertown and Northampton County

Hellertown is in Northampton 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).

Hellertown's own numbers

Typical home value
$256,200
Typical monthly rent
$1,372
Typical yearly household income
$72,813
Households that own their home
67%
Effective property tax rate
1.65%

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

Numbers for all of Northampton County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,839
Price change over 5 years (FHFA)
+59%
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 Northampton County.

Everything about Northampton County

Buying

Buying a home in Hellertown

A typical home in Hellertown is worth $256,200: 17% below the county and about the same as Pennsylvania. With the typical household income in Hellertown ($72,813 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.

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

How prices have changed in Northampton County

According to FHFA’s house price index, home prices in Northampton County rose 92% in the 10 years through 2025.

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

Period County Pennsylvania U.S.
Last year (2025) +6.2% +4.7% +2.9%
5 years (2020–2025) +59% +48% +47%
10 years (2015–2025) +92% +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

Hellertown next to Northampton 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
  • Hellertown $256,200
  • Northampton $308,600
  • Pennsylvania $254,500
  • United States $332,700
Typical monthly rent
  • Hellertown $1,372
  • Northampton $1,395
  • Pennsylvania $1,209
  • United States $1,413
Typical yearly household income
  • Hellertown $72,813
  • Northampton $89,184
  • Pennsylvania $77,971
  • United States $80,734
See the full table
Hellertown next to Northampton County and Pennsylvania
Measure Hellertown Northampton County Pennsylvania U.S.
Typical home value $256,200 $308,600 $254,500 $332,700
Typical monthly rent $1,372 $1,395 $1,209 $1,413
Typical yearly household income $72,813 $89,184 $77,971 $80,734
Households that own their home 67% 71% 69% 65%
Typical yearly property tax $4,235 $4,700 $3,311 $3,119
Effective property tax rate 1.65% 1.52% 1.3% 0.94%
Renters with high rent for their income 59% 50% 48% 51%

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

For a typical $256,200 home in Hellertown, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Hellertown's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,276a month

    Least cash to close
    Down payment
    $8,967
    Cash to close
    $16,653
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $113

  • Conventional, 5% down $2,230a month

    Down payment
    $12,810
    Cash to close
    $20,496
    Rate
    7.18%
    Mortgage insurance
    PMI · $122

  • Conventional, 20% down, no PMI $1,847a month

    Down payment
    $51,240
    Cash to close
    $58,926
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,084a month

    Down payment
    $38,430
    Cash to close
    $46,116
    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 Hellertown and for Northampton County.

Property tax

Effective rate in Hellertown

1.65%of the home’s value each year

$4,235 a year for the typical owner in Hellertown.

  • Hellertown 1.65%
  • Northampton 1.52%
  • Pennsylvania 1.3%

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

Exemptions and deadlines in Pennsylvania

Flood risk in Northampton County

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

Homes in the high-risk zone
1.1%
1,124
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 Hellertown

Typical rent in Hellertown is $1,372 a month: about the same as the county. In Hellertown, 59% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Northampton County, by unit size. To pay the 2-bedroom one ($1,839 a month) without spending more than 30% of your income, you would need to earn $35.37 an hour working full time.

HUD fair market rent for all of Northampton 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 $1,302 $25.04 $52,080
1 bedroom $1,519 $29.21 $60,760
2 bedrooms $1,839 $35.37 $73,560
3 bedrooms $2,306 $44.35 $92,240
4 bedrooms $2,482 $47.73 $99,280

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 Hellertown

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Hellertown is in ZIP code 18055.

For 2 bedrooms it is $1,860: $21 more than the fair market rent for Northampton County ($1,839).

  • 18055 $1,860$2,330

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

HUD lists 2 buildings with rents for lower incomes in Hellertown. These are the largest.

  • Saucon Manor 650 Northampton St, Hellertown 18055 51 homes, 50 low-income · For older adults (610) 838-9187
  • Hellertown Elderly Apts 950 Front St, Hellertown 18055 47 low-income homes · 1 bd: 47 · In service since 1997 · For older adults

See all 50 buildings in Northampton County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Hellertown

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 Northampton County; 1 says it serves in Spanish.

An older woman smiles in front of her apartment building.

HUD counseling is free or low-cost

Assistance programs in Hellertown

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

Which programs do I qualify for? All programs in Pennsylvania

Housing counselors near Hellertown

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

  • Community Action Committee of Lehigh Valley, Inc.

    1337 E 5th St, Bethlehem · 2 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 5 more
    (610) 691-5620

  • Greater Community Development Corporation

    403 Pastor Fred Davis St, Easton · 9 miles away

    • Budget and financial counseling
    • Pre-purchase counseling
    (610) 596-1134

  • Bucks County Housing Group

    626 Jacksonville Rd, Warminster · 29 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (215) 394-8259

Every agency in Northampton County All counseling agencies in Pennsylvania

Help in Spanish near Hellertown

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 Hellertown

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

  • Northampton County Housing Authority Public housing and Section 8 vouchers (610) 965-4514

2 other authorities have an office in Northampton County: see the list Source: HUD

Cities

Other cities in Northampton County

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

Everything about Northampton County Housing in Pennsylvania

Nearby cities

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

Neighboring counties

If Northampton 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 Hellertown.

All guides
A father holds his baby and his young son by a white picket fence.

Questions

Housing questions about Hellertown

Short answers with the numbers for Hellertown and all of Northampton 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 Hellertown?

The typical home value in Hellertown is $256,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Northampton County it is $308,600.

How much does it cost to rent in Hellertown?

Typical rent in Hellertown is $1,372 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Northampton County is $1,839.

What is the FHA loan limit in Hellertown?

Hellertown uses the FHA limit for all of Northampton 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 Hellertown?

The typical homeowner in Hellertown pays $4,235 a year, according to the U.S. Census Bureau. That is 1.65% of the home’s value; in Northampton County, the rate is 1.52%.

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

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