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City · 8,799 residents · Montgomery County, Pennsylvania

Kulpsville , Pennsylvania

In Kulpsville, a typical home is worth $369,700 and typical rent is $1,933 a month. Compared with all of Montgomery County, typical household income is 19% lower, the typical home value is 15% lower, and the share of households that own their home is 8 points lower.

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  • Typical home value

    $369,700

    15% below the county

    45% above Pennsylvania

    • Kulpsville
    • Montgomery
    • Pennsylvania

  • Typical rent

    $1,933a month

    15% above the county

    60% above Pennsylvania

    • Kulpsville
    • Montgomery
    • Pennsylvania

  • Typical household income

    $92,721a year

    19% below the county

    19% above Pennsylvania

    • Kulpsville
    • Montgomery
    • Pennsylvania

  • Households that own their home

    63%

    8 points below the county

    6 points below Pennsylvania

    • Kulpsville
    • Montgomery
    • Pennsylvania

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

Kulpsville 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

Data updated: October 1, 2026 11 official sources

Only here

What sets Kulpsville apart

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

  1. Nearby, in Souderton, the typical rent is $1,297: 33% less than in Kulpsville ($1,933).

  2. The typical household income in Kulpsville is $92,721, 19% less than in Montgomery County as a whole ($113,915).

  3. The typical home in Kulpsville is worth $369,700, 15% less than in Montgomery County as a whole ($436,700).

  4. Kulpsville has the 19th highest typical rent of the 265 cities in Pennsylvania with more than 5,000 people ($1,933).

  5. 63% of households in Kulpsville own their home, against 71% in Montgomery County.

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

The homes here

Housing in Kulpsville

What homes there are in Kulpsville, 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

Homes in Kulpsville are varied: detached houses are the largest group, at 41%, against 53% in Montgomery County.

Year built

Homes in Kulpsville are newer: the typical year built is 1986; in Montgomery 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

$2,014 a month

Montgomery County: $2,441 a month

Without a mortgage

$801 a month

Montgomery County: $936 a month

Owners with a mortgage

70%

Montgomery County: 66%

Owning costs less in Kulpsville: with a mortgage, the typical cost is $2,014 a month; in Montgomery County, $2,441. Without one, $801.

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

Since 2015–2019, homes in Kulpsville gained value faster than in Montgomery County: 57% against 38%.

Much as in Montgomery County, the typical rent in Kulpsville rose 32% 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

MeasureKulpsvilleMontgomery CountyPennsylvaniaUnited States
Rental vacancy Unreliable estimate5.5%4.9%5.5%
Homeowner vacancy Unreliable estimate0.8%0.8%0.9%
More than one person per room Unreliable estimate1.8%1.6%3.4%
People per household 2.412.522.392.53
Drive alone 68%64%68%69%
Carpool 11%6%8%9%
Public transit Unreliable estimate3%4%3%
Walk or bike Unreliable estimate2%4%3%
Work from home 19%23%16%15%
Other means Unreliable estimate1%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

By size, households in Kulpsville look like those in Montgomery County: 2.41 people on average.

In Kulpsville, 11% of workers share a car to get to work; in Montgomery County, 6%.

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 Kulpsville?

A typical home costs more than the typical income allows

We start with a typical home in Kulpsville, worth $369,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 40% of the typical household income in Kulpsville, which is $92,721 a year. For that payment to be 28% of income, a household would need to earn about $133,920 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Kulpsville. 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 $12,940 (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

$3,125

at 7.18% · 30 years

Loan amount
$363,003
Total interest
$522,277
Paid off in
November 2056

Includes $6,243 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,163 a month

  • Tight

    $2,163 to $2,782 a month

  • Hard

    more than $2,782 a month

    Your payment · 40%

Compared with the typical household income in Kulpsville ($92,721 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,125
Principal & interest$2,459
Property tax$348
Home insurance$154
FHA mortgage insurance (MIP)$164

You need at least $12,940 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

Kulpsville and Montgomery County

Kulpsville 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).

Kulpsville's own numbers

Typical home value
$369,700
Typical monthly rent
$1,933
Typical yearly household income
$92,721
Households that own their home
63%
Effective property tax rate
1.13%

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.

Everything about Montgomery County

Buying

Buying a home in Kulpsville

A typical home in Kulpsville is worth $369,700: 15% below the county and 45% above Pennsylvania. With the typical household income in Kulpsville ($92,721 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.

  • Kulpsville 4.0 years
  • Montgomery 3.8 years
  • Pennsylvania 3.3 years
  • United States 4.1 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.

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

Kulpsville 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
  • Kulpsville $369,700
  • Montgomery $436,700
  • Pennsylvania $254,500
  • United States $332,700
Typical monthly rent
  • Kulpsville $1,933
  • Montgomery $1,683
  • Pennsylvania $1,209
  • United States $1,413
Typical yearly household income
  • Kulpsville $92,721
  • Montgomery $113,915
  • Pennsylvania $77,971
  • United States $80,734
See the full table
Kulpsville next to Montgomery County and Pennsylvania
Measure Kulpsville Montgomery County Pennsylvania U.S.
Typical home value $369,700 $436,700 $254,500 $332,700
Typical monthly rent $1,933 $1,683 $1,209 $1,413
Typical yearly household income $92,721 $113,915 $77,971 $80,734
Households that own their home 63% 71% 69% 65%
Typical yearly property tax $4,193 $5,875 $3,311 $3,119
Effective property tax rate 1.13% 1.35% 1.3% 0.94%
Renters with high rent for their income 46% 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 Kulpsville

For a typical $369,700 home in Kulpsville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Kulpsville's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,125a month

    Least cash to close
    Down payment
    $12,940
    Cash to close
    $24,031
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $164

  • Conventional, 5% down $3,057a month

    Down payment
    $18,485
    Cash to close
    $29,576
    Rate
    7.18%
    Mortgage insurance
    PMI · $176

  • Conventional, 20% down, no PMI $2,506a month

    Down payment
    $73,940
    Cash to close
    $85,031
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,848a month

    Down payment
    $55,455
    Cash to close
    $66,546
    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 Kulpsville and for Montgomery County.

Property tax

Effective rate in Kulpsville

1.13%of the home’s value each year

$4,193 a year for the typical owner in Kulpsville.

  • Kulpsville 1.13%
  • Montgomery 1.35%
  • Pennsylvania 1.3%

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

Exemptions and deadlines in Pennsylvania

Flood risk in Montgomery County

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

Homes in the high-risk zone
0.9%
2,407
Of those, with NFIP insurance
47%
County Pennsylvania U.S.
Homes in the high-risk zone 0.9% 2% 3.5%
Of those, with NFIP insurance 47% 23% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Kulpsville

Typical rent in Kulpsville is $1,933 a month: 15% above the county. In Kulpsville, 46% 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.

HUD fair market rent for all of Montgomery 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 $1,438 $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 Kulpsville

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Kulpsville has 2 ZIP codes with their own.

For 2 bedrooms it runs from $2,180 in 19438 to $2,250 in 19446.

2 of the 2 are above the fair market rent for Montgomery County ($1,860).

  • 19438 $2,180$2,600
  • 19446 $2,250$2,680

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Kulpsville 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?

Free help

Help to buy or rent in Kulpsville

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.

A grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in Kulpsville

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

Which programs do I qualify for? All programs in Pennsylvania

Housing counselors near Kulpsville

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

  • Genesis Housing Corporation

    1430 Dekalb St, Norristown · 8 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (610) 275-4357

  • West Oak Lane Community Development

    1624 E Wadsworth Ave, Philadelphia · 14 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 2 more
    (215) 224-8339

  • CCCS of Delaware Valley, Inc. DBA Clarifi

    101 Greenwood Avenue, Jenkintown · 15 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 2 more
    (800) 989-2227

Every agency in Montgomery County All counseling agencies in Pennsylvania

Help in Spanish near Kulpsville

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 Kulpsville

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

  • Montgomery County Housing Authority Public housing and Section 8 vouchers (610) 275-5720

All housing agencies in Pennsylvania Source: HUD

Cities

Other cities in Montgomery County

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

Everything about Montgomery County Housing in Pennsylvania
See 20 more cities in Montgomery County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

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

Neighboring counties

If Montgomery 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 Kulpsville.

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

Questions

Housing questions about Kulpsville

Short answers with the numbers for Kulpsville 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 Kulpsville?

The typical home value in Kulpsville is $369,700, 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 Kulpsville?

Typical rent in Kulpsville is $1,933 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 Kulpsville?

Kulpsville 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 Kulpsville?

The typical homeowner in Kulpsville pays $4,193 a year, according to the U.S. Census Bureau. That is 1.13% of the home’s value; in Montgomery County, the rate is 1.35%.

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

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.

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).