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City · 13,397 residents · Luzerne County, Pennsylvania

Kingston , Pennsylvania

In Kingston, a typical home is worth $172,900 and typical rent is $1,038 a month. Compared with all of Luzerne County, typical household income is 13% lower and the share of households that own their home is 15 points lower.

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  • Typical home value

    $172,900

    About the same as the county

    32% below Pennsylvania

    • Kingston
    • Luzerne
    • Pennsylvania

  • Typical rent

    $1,038a month

    3% above the county

    14% below Pennsylvania

    • Kingston
    • Luzerne
    • Pennsylvania

  • Typical household income

    $55,347a year

    13% below the county

    29% below Pennsylvania

    • Kingston
    • Luzerne
    • Pennsylvania

  • Households that own their home

    52%

    15 points below the county

    17 points below Pennsylvania

    • Kingston
    • Luzerne
    • Pennsylvania

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

Market now, with Zillow data

Zillow data
Typical home value
$235,022
3.3% more than 12 months ago
Typical rent
$1,392 a month
7.9% more than 12 months ago

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

Kingston is in Luzerne 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 Luzerne County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Kingston apart

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

  1. Nearby, in Plymouth, the typical home value is $92,500: 47% less than in Kingston ($172,900).

  2. Nearby, in Swoyersville, the typical rent is $744: 28% less than in Kingston ($1,038).

  3. 52% of households in Kingston own their home, against 68% in Luzerne County.

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

The homes here

Housing in Kingston

What homes there are in Kingston, 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 Kingston there is a bit of everything: no kind of home reaches half. The most common are detached houses (50%); in Luzerne County, 64%.

Year built

The typical home in Kingston was built in 1952, 8 years before the typical one in Luzerne County.

Homes in Kingston are smaller: 59% have 3 bedrooms or more; in Luzerne County, 66%.

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

At least 98% of owner-occupied homes in Kingston are worth less than $500,000, below the FHA loan limit for Luzerne County ($541,287).

Monthly rent with utilities

With a mortgage

$1,506 a month

Luzerne County: $1,475 a month

Without a mortgage

$633 a month

Luzerne County: $623 a month

Owners with a mortgage

56%

Luzerne County: 54%

The typical cost for an owner with a mortgage in Kingston is $1,506 a month, near the figure in Luzerne County ($1,475).

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

The typical home value in Kingston rose 32% since 2015–2019, less than in Luzerne County (37%).

Much as in Luzerne County, the typical rent in Kingston rose 27% since 2015–2019.

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

MeasureKingstonLuzerne CountyPennsylvaniaUnited States
Rental vacancy Unreliable estimate4.7%4.9%5.5%
Homeowner vacancy Unreliable estimate1.0%0.8%0.9%
More than one person per room Unreliable estimate1.6%1.6%3.4%
People per household 2.222.352.392.53
Drive alone 66%75%68%69%
Carpool 10%10%8%9%
Public transit Unreliable estimate1%4%3%
Walk or bike Unreliable estimate3%4%3%
Work from home 13%11%16%15%
Other means Unreliable estimate1%1%2%
Typical commute 10 to 19 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 2.22 on average, against 2.35 in Luzerne County.

In Kingston, 66% of workers drive alone to work; in Luzerne County, 75%.

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 Kingston?

A typical home is tight for the typical income

We start with a typical home in Kingston, worth $172,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 33% of the typical household income in Kingston, which is $55,347 a year. For that payment to be 28% of income, a household would need to earn about $65,040 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Kingston. 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 $6,052 (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

$1,518

at 7.18% · 30 years

Loan amount
$169,768
Total interest
$244,256
Paid off in
November 2056

Includes $2,920 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,291 a month

  • Tight

    $1,291 to $1,660 a month

    Your payment · 33%

  • Hard

    more than $1,660 a month

Compared with the typical household income in Kingston ($55,347 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,518
Principal & interest$1,150
Property tax$219
Home insurance$72
FHA mortgage insurance (MIP)$76

You need at least $6,052 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

Kingston and Luzerne County

Kingston is in Luzerne 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).

Kingston's own numbers

Typical home value
$172,900
Typical monthly rent
$1,038
Typical yearly household income
$55,347
Households that own their home
52%
Effective property tax rate
1.52%

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

Numbers for all of Luzerne County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,363
Price change over 5 years (FHFA)
+61%
Homes in a high flood-risk zone
2.3%

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 Luzerne County.

Everything about Luzerne County

Buying

Buying a home in Kingston

A typical home in Kingston is worth $172,900: about the same as the county and 32% below Pennsylvania. With the typical household income in Kingston ($55,347 a year), a typical home costs 3.1 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.

  • Kingston 3.1 years
  • Luzerne 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 Luzerne County

According to FHFA’s house price index, home prices in Luzerne County rose 81% in the 10 years through 2025.

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

Period County Pennsylvania U.S.
Last year (2025) +5.5% +4.7% +2.9%
5 years (2020–2025) +61% +48% +47%
10 years (2015–2025) +81% +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

Kingston next to Luzerne 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
  • Kingston $172,900
  • Luzerne $174,100
  • Pennsylvania $254,500
  • United States $332,700
Typical monthly rent
  • Kingston $1,038
  • Luzerne $1,004
  • Pennsylvania $1,209
  • United States $1,413
Typical yearly household income
  • Kingston $55,347
  • Luzerne $63,691
  • Pennsylvania $77,971
  • United States $80,734
See the full table
Kingston next to Luzerne County and Pennsylvania
Measure Kingston Luzerne County Pennsylvania U.S.
Typical home value $172,900 $174,100 $254,500 $332,700
Typical monthly rent $1,038 $1,004 $1,209 $1,413
Typical yearly household income $55,347 $63,691 $77,971 $80,734
Households that own their home 52% 68% 69% 65%
Typical yearly property tax $2,628 $2,530 $3,311 $3,119
Effective property tax rate 1.52% 1.45% 1.3% 0.94%
Renters with high rent for their income 37% 46% 48% 51%

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

For a typical $172,900 home in Kingston, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Kingston's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,518a month

    Least cash to close
    Down payment
    $6,052
    Cash to close
    $11,239
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $76

  • Conventional, 5% down $1,486a month

    Down payment
    $8,645
    Cash to close
    $13,832
    Rate
    7.18%
    Mortgage insurance
    PMI · $82

  • Conventional, 20% down, no PMI $1,228a month

    Down payment
    $34,580
    Cash to close
    $39,767
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,388a month

    Down payment
    $25,935
    Cash to close
    $31,122
    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 Kingston and for Luzerne County.

Property tax

Effective rate in Kingston

1.52%of the home’s value each year

$2,628 a year for the typical owner in Kingston.

  • Kingston 1.52%
  • Luzerne 1.45%
  • Pennsylvania 1.3%

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

Exemptions and deadlines in Pennsylvania

Flood risk in Luzerne County

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

Homes in the high-risk zone
2.3%
2,670
Of those, with NFIP insurance
53%
County Pennsylvania U.S.
Homes in the high-risk zone 2.3% 2% 3.5%
Of those, with NFIP insurance 53% 23% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Kingston

Typical rent in Kingston is $1,038 a month: 3% above the county. In Kingston, 37% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Luzerne County, by unit size. To pay the 2-bedroom one ($1,363 a month) without spending more than 30% of your income, you would need to earn $26.21 an hour working full time.

HUD fair market rent for all of Luzerne 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 $949 $18.25 $37,960
1 bedroom $1,106 $21.27 $44,240
2 bedrooms $1,363 $26.21 $54,520
3 bedrooms $1,786 $34.35 $71,440
4 bedrooms $1,962 $37.73 $78,480

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 Kingston

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Kingston is in ZIP code 18704.

For 2 bedrooms it is $1,420: $57 more than the fair market rent for Luzerne County ($1,363).

  • 18704 $1,420$1,860

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

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

  • Fairview Park-Mountain T 250 1st Ave, Kingston 18704 484 low-income homes · Run by Housing Authority of the County of Luzerne · Average payment: $474 a month · Average wait: 23 months (570) 287-9661
  • Daniel J Flood Tower Apts 230 Wyoming Ave, Kingston 18704 211 homes, 210 low-income · Studio: 15 · 1 bd: 195 · 2 bd: 1 · In service since 2016 · For older adults (570) 287-9998

See all 52 buildings in Luzerne County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Kingston

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 Luzerne County; 2 say they serve 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 Kingston

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

Which programs do I qualify for? All programs in Pennsylvania

Housing counselors near Kingston

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

  • Commission on Economic Opportunity of Luzerne County

    165 Amber Ln, Wilkes Barre · 2 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 2 more
    (570) 826-0510

  • Housing Development Corporation of Northeast

    163 Amber Ln, Wilkes Barre · 2 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and credit workshops
    • and 5 more
    (570) 824-4803

  • Neighborworks Northeastern Pa/NHS of Lackawanna County

    815 Smith St, Scranton · 14 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (570) 558-2490

Every agency in Luzerne County All counseling agencies in Pennsylvania

Help in Spanish near Kingston

2 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 Kingston

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

  • Housing Authority of the County of Luzerne Public housing and Section 8 vouchers (570) 287-9661

4 other authorities have an office in Luzerne County: see the list Source: HUD

Cities

Other cities in Luzerne County

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

Everything about Luzerne County Housing in Pennsylvania

Nearby cities

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

Neighboring counties

If Luzerne 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 Kingston.

All guides
A mother holds hands with her two daughters on the beach at sunset.

Questions

Housing questions about Kingston

Short answers with the numbers for Kingston and all of Luzerne 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 Kingston?

The typical home value in Kingston is $172,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Luzerne County it is $174,100.

How much does it cost to rent in Kingston?

Typical rent in Kingston is $1,038 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Luzerne County is $1,363.

What is the FHA loan limit in Kingston?

Kingston uses the FHA limit for all of Luzerne 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 Kingston?

The typical homeowner in Kingston pays $2,628 a year, according to the U.S. Census Bureau. That is 1.52% of the home’s value; in Luzerne County, the rate is 1.45%.

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

There are 2 HUD-approved counseling agencies with an office in Luzerne County. 2 say they serve 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).