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City · 7,977 residents · Westmoreland County, Pennsylvania

Latrobe , Pennsylvania

In Latrobe, a typical home is worth $145,100 and typical rent is $750 a month. Compared with all of Westmoreland County, the typical home value is 29% lower, typical household income is 24% lower, and the share of households that own their home is 9 points lower.

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  • Typical home value

    $145,100

    29% below the county

    43% below Pennsylvania

    • Latrobe
    • Westmoreland
    • Pennsylvania

  • Typical rent

    $750a month

    15% below the county

    38% below Pennsylvania

    • Latrobe
    • Westmoreland
    • Pennsylvania

  • Typical household income

    $56,318a year

    24% below the county

    28% below Pennsylvania

    • Latrobe
    • Westmoreland
    • Pennsylvania

  • Households that own their home

    70%

    9 points below the county

    About the same as Pennsylvania

    • Latrobe
    • Westmoreland
    • Pennsylvania

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

Market now, with Zillow data

Zillow data
Typical home value
$212,514
about the same as 12 months ago
Typical rent
$1,058 a month
8.2% more than 12 months ago

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

Latrobe is in Westmoreland 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 Westmoreland County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Latrobe apart

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

  1. The typical home in Latrobe is worth $145,100, 29% less than in Westmoreland County as a whole ($203,500).

  2. Nearby, in Jeannette, the typical home value is $114,400: 21% less than in Latrobe ($145,100).

  3. The typical household income in Latrobe is $56,318, 24% less than in Westmoreland County as a whole ($74,109).

  4. Latrobe has the 18th lowest typical rent of the 265 cities in Pennsylvania with more than 5,000 people ($750).

  5. 70% of households in Latrobe own their home, against 78% in Westmoreland County.

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

The homes here

Housing in Latrobe

What homes there are in Latrobe, 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 are the majority in Latrobe (68%), but less so than in Westmoreland County (77%).

Year built

In Latrobe, half of the homes were built before 1952; in Westmoreland County, before 1964.

There are fewer big homes in Latrobe than in Westmoreland County: 61% have 3 bedrooms or more, against 68%.

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

The FHA limit for Westmoreland County is high ($541,287): at least 99% of owner-occupied homes in Latrobe are worth less than $500,000.

Monthly rent with utilities

HUD's 2-bedroom fair market rent for Westmoreland County is high ($1,389): at least 93% of rents in Latrobe cost less than $1,000.

With a mortgage

$1,097 a month

Westmoreland County: $1,452 a month

Without a mortgage

$485 a month

Westmoreland County: $572 a month

Owners with a mortgage

62%

Westmoreland County: 54%

In Latrobe, 62% of owners have a mortgage, and their typical cost is $1,097 a month, against $1,452 in Westmoreland County. Without one it drops to $485.

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 Latrobe gained value more slowly than in Westmoreland County: 23% since 2015–2019, against 33%.

Rents in Latrobe rose at about the same pace as in Westmoreland County: 23% since 2015–2019, against 22%.

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

MeasureLatrobeWestmoreland CountyPennsylvaniaUnited States
Rental vacancy Unreliable estimate3.9%4.9%5.5%
Homeowner vacancy Unreliable estimate0.6%0.8%0.9%
More than one person per room Unreliable estimate0.4%1.6%3.4%
People per household 2.102.232.392.53
Drive alone 77%77%68%69%
Carpool 12%7%8%9%
Public transit Unreliable estimate1%4%3%
Walk or bike 4%2%4%3%
Work from home 6%13%16%15%
Other means Unreliable estimate1%1%2%
Typical commute 10 to 19 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 2.10 on average, against 2.23 in Westmoreland County.

In Latrobe, 12% of workers share a car to get to work; in Westmoreland County, 7%.

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 Latrobe?

A typical home is within reach of the typical income

We start with a typical home in Latrobe, worth $145,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 26% of the typical household income in Latrobe, which is $56,318 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Latrobe. 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 $5,079 (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

$1,242

at 7.18% · 30 years

Loan amount
$142,471
Total interest
$204,983
Paid off in
November 2056

Includes $2,450 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,314 a month

    Your payment · 26%

  • Tight

    $1,314 to $1,690 a month

  • Hard

    more than $1,690 a month

Compared with the typical household income in Latrobe ($56,318 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,242
Principal & interest$965
Property tax$152
Home insurance$61
FHA mortgage insurance (MIP)$64

You need at least $5,079 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

Latrobe and Westmoreland County

Latrobe is in Westmoreland 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).

Latrobe's own numbers

Typical home value
$145,100
Typical monthly rent
$750
Typical yearly household income
$56,318
Households that own their home
70%
Effective property tax rate
1.26%

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

Numbers for all of Westmoreland County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,389
Price change over 5 years (FHFA)
+43%
Homes in a high flood-risk zone
1.9%

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 Westmoreland County.

Everything about Westmoreland County

Buying

Buying a home in Latrobe

A typical home in Latrobe is worth $145,100: 29% below the county and 43% below Pennsylvania. With the typical household income in Latrobe ($56,318 a year), a typical home costs 2.6 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.

  • Latrobe 2.6 years
  • Westmoreland 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 Westmoreland County

According to FHFA’s house price index, home prices in Westmoreland County rose 65% in the 10 years through 2025.

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

Period County Pennsylvania U.S.
Last year (2025) +5.8% +4.7% +2.9%
5 years (2020–2025) +43% +48% +47%
10 years (2015–2025) +65% +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

Latrobe next to Westmoreland 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
  • Latrobe $145,100
  • Westmoreland $203,500
  • Pennsylvania $254,500
  • United States $332,700
Typical monthly rent
  • Latrobe $750
  • Westmoreland $879
  • Pennsylvania $1,209
  • United States $1,413
Typical yearly household income
  • Latrobe $56,318
  • Westmoreland $74,109
  • Pennsylvania $77,971
  • United States $80,734
See the full table
Latrobe next to Westmoreland County and Pennsylvania
Measure Latrobe Westmoreland County Pennsylvania U.S.
Typical home value $145,100 $203,500 $254,500 $332,700
Typical monthly rent $750 $879 $1,209 $1,413
Typical yearly household income $56,318 $74,109 $77,971 $80,734
Households that own their home 70% 78% 69% 65%
Typical yearly property tax $1,822 $2,501 $3,311 $3,119
Effective property tax rate 1.26% 1.23% 1.3% 0.94%
Renters with high rent for their income 47% 40% 48% 51%

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

For a typical $145,100 home in Latrobe, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Latrobe's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,242a month

    Least cash to close
    Down payment
    $5,079
    Cash to close
    $9,432
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $64

  • Conventional, 5% down $1,216a month

    Down payment
    $7,255
    Cash to close
    $11,608
    Rate
    7.18%
    Mortgage insurance
    PMI · $69

  • Conventional, 20% down, no PMI $999a month

    Down payment
    $29,020
    Cash to close
    $33,373
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,133a month

    Down payment
    $21,765
    Cash to close
    $26,118
    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 Latrobe and for Westmoreland County.

Property tax

Effective rate in Latrobe

1.26%of the home’s value each year

$1,822 a year for the typical owner in Latrobe.

  • Latrobe 1.26%
  • Westmoreland 1.23%
  • Pennsylvania 1.3%

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

Exemptions and deadlines in Pennsylvania

Flood risk in Westmoreland County

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

Homes in the high-risk zone
1.9%
2,720
Of those, with NFIP insurance
21%
County Pennsylvania U.S.
Homes in the high-risk zone 1.9% 2% 3.5%
Of those, with NFIP insurance 21% 23% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Latrobe

Typical rent in Latrobe is $750 a month: 15% below the county. In Latrobe, 47% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Westmoreland County, by unit size. To pay the 2-bedroom one ($1,389 a month) without spending more than 30% of your income, you would need to earn $26.71 an hour working full time.

HUD fair market rent for all of Westmoreland 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 $1,075 $20.67 $43,000
1 bedroom $1,146 $22.04 $45,840
2 bedrooms $1,389 $26.71 $55,560
3 bedrooms $1,773 $34.10 $70,920
4 bedrooms $1,925 $37.02 $77,000

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 Latrobe

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Latrobe is in ZIP code 15650.

For 2 bedrooms it is $1,170: $219 less than the fair market rent for Westmoreland County ($1,389).

  • 15650 $1,170$1,490

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

HUD lists 7 buildings with rents for lower incomes in Latrobe. These are the largest.

  • Holiday Acres 408 Aldrin Ct, Latrobe 15650 150 low-income homes · For families (412) 539-7010
  • Loyalhanna Apts. 1111 Jefferson St, Latrobe 15650 95 low-income homes · For older adults (724) 539-0182
  • Latrobe Manor 1013 Jefferson St, Latrobe 15650 84 homes, 79 low-income · Run by Westmoreland County HSG Authority · Average payment: $336 a month · Average wait: 14 months (724) 832-7258
  • Derry / Greensburgh / Latrobe Townhouses 1102 Murtha Way, Latrobe 15650 50 homes, 49 low-income · Run by Westmoreland County HSG Authority · Average payment: $430 a month · Average wait: 14 months (724) 832-7258
  • Laurel Highlands Village 300 Weldon St, Latrobe 15650 44 low-income homes · For older adults (724) 539-3999

See all 59 buildings in Westmoreland County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Latrobe

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.

We found no HUD-approved agencies with an office in Westmoreland County. The nearest ones are below; many serve by phone or online.

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 Latrobe

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

Which programs do I qualify for? All programs in Pennsylvania

Housing counselors near Latrobe

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

  • Neighborhood Housing Services, DBA NeighborWorks Western Pennsylvania

    10 Duff Rd Ste 402, Pittsburgh · 26 miles away

    • Mortgage delinquency and default
    • Pre-purchase counseling
    • and 3 more
    (412) 281-9773

  • Mon Valley Initiative

    303-305 E. 8th Avenue, Homestead · 28 miles away · Spanish

    Also serves in American Sign Language (ASL), French, Korean, other languages, and 4 more languages.

    • Mortgage delinquency and default
    • Pre-purchase counseling
    • and 2 more
    412-464-4000-4026

  • Willissae's Agency for Vision and Empowerment (WAVE)

    7171 Churchland St, Pittsburgh · 29 miles away

    • Mortgage delinquency and default
    • Pre-purchase counseling
    • and 2 more
    (412) 573-9217

All counseling agencies in Pennsylvania

Help in Spanish near Latrobe

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 Latrobe

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

  • Westmoreland County HSG Authority Public housing and Section 8 vouchers (724) 832-7258

All housing agencies in Pennsylvania Source: HUD

Cities

Other cities in Westmoreland County

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

Everything about Westmoreland County Housing in Pennsylvania

Nearby cities

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

Neighboring counties

If Westmoreland 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 Latrobe.

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

Questions

Housing questions about Latrobe

Short answers with the numbers for Latrobe and all of Westmoreland 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 Latrobe?

The typical home value in Latrobe is $145,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Westmoreland County it is $203,500.

How much does it cost to rent in Latrobe?

Typical rent in Latrobe is $750 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Westmoreland County is $1,389.

What is the FHA loan limit in Latrobe?

Latrobe uses the FHA limit for all of Westmoreland 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 Latrobe?

The typical homeowner in Latrobe pays $1,822 a year, according to the U.S. Census Bureau. That is 1.26% of the home’s value; in Westmoreland County, the rate is 1.23%.

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

We found no HUD-approved counseling agencies with an office in Westmoreland County; the nearest ones are on this page. 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).