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City · 8,447 residents · Clinton County, Pennsylvania

Lock Haven , Pennsylvania

In Lock Haven, a typical home is worth $137,300 and typical rent is $792 a month. Compared with all of Clinton County, typical household income is 24% lower, the typical home value is 22% lower, and the share of households that own their home is 34 points lower.

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  • Typical home value

    $137,300

    22% below the county

    46% below Pennsylvania

    • Lock Haven
    • Clinton
    • Pennsylvania

  • Typical rent

    $792a month

    3% below the county

    34% below Pennsylvania

    • Lock Haven
    • Clinton
    • Pennsylvania

  • Typical household income

    $46,102a year

    24% below the county

    41% below Pennsylvania

    • Lock Haven
    • Clinton
    • Pennsylvania

  • Households that own their home

    39%

    34 points below the county

    31 points below Pennsylvania

    • Lock Haven
    • Clinton
    • Pennsylvania

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

Market now, with Zillow data

Zillow data
Typical home value
$202,307
2% more than 12 months ago
Typical rent
$988 a month
1.3% more than 12 months ago

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

Lock Haven is in Clinton 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 Clinton County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Lock Haven apart

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

  1. 39% of households in Lock Haven own their home, against 72% in Clinton County.

  2. The typical household income in Lock Haven is $46,102, 24% less than in Clinton County as a whole ($60,816).

  3. The typical home in Lock Haven is worth $137,300, 22% less than in Clinton County as a whole ($175,900).

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

The homes here

Housing in Lock Haven

What homes there are in Lock Haven, 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

No kind of home is the majority in Lock Haven; the largest group, buildings of 2 to 4 homes, adds up to 41%, against 11% in Clinton County.

Year built

In Lock Haven, half of the homes were built before 1958; in Clinton County, before 1967.

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

HUD's 2-bedroom fair market rent (FMR) for Clinton County is $1,014; about 75% of rents in Lock Haven are below it.

With a mortgage

$1,200 a month

Clinton County: $1,363 a month

Without a mortgage

$648 a month

Clinton County: $542 a month

Owners with a mortgage

51%

Clinton County: 52%

Owning costs less in Lock Haven: with a mortgage, the typical cost is $1,200 a month; in Clinton County, $1,363. Without one, $648.

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

From 2015–2019 to 2020–2024, home values in Lock Haven rose at about the same pace as in Clinton County: 31% against 29%.

Since 2015–2019, the typical rent in Lock Haven did not change clearly, according to the Census.

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

MeasureLock HavenClinton CountyPennsylvaniaUnited States
Rental vacancy Unreliable estimateUnreliable estimate4.9%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.8%0.9%
More than one person per room Unreliable estimate1.5%1.6%3.4%
People per household 2.052.342.392.53
Drive alone 62%74%68%69%
Carpool 14%11%8%9%
Public transit Unreliable estimateUnreliable estimate4%3%
Walk or bike 12%4%4%3%
Work from home 11%9%16%15%
Other means Unreliable estimate1%1%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Lock Haven has 2.05 people, fewer than in Clinton County (2.34).

Many here get to work on foot or by bike: 12%, more than in Clinton County (4%).

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 Lock Haven?

A typical home is tight for the typical income

We start with a typical home in Lock Haven, worth $137,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 32% of the typical household income in Lock Haven, which is $46,102 a year. For that payment to be 28% of income, a household would need to earn about $53,168 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Lock Haven. 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 $4,806 (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

$1,241

at 7.18% · 30 years

Loan amount
$134,813
Total interest
$193,964
Paid off in
November 2056

Includes $2,319 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,076 a month

  • Tight

    $1,076 to $1,383 a month

    Your payment · 32%

  • Hard

    more than $1,383 a month

Compared with the typical household income in Lock Haven ($46,102 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,241
Principal & interest$913
Property tax$209
Home insurance$57
FHA mortgage insurance (MIP)$61

You need at least $4,806 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

Lock Haven and Clinton County

Lock Haven is in Clinton 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).

Lock Haven's own numbers

Typical home value
$137,300
Typical monthly rent
$792
Typical yearly household income
$46,102
Households that own their home
39%
Effective property tax rate
1.83%

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

Numbers for all of Clinton County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,014
Price change over 5 years (FHFA)
+34%
Homes in a high flood-risk zone
14%

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 Clinton County.

Everything about Clinton County

Buying

Buying a home in Lock Haven

A typical home in Lock Haven is worth $137,300: 22% below the county and 46% below Pennsylvania. With the typical household income in Lock Haven ($46,102 a year), a typical home costs 3.0 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.

  • Lock Haven 3.0 years
  • Clinton 2.9 years
  • Pennsylvania 3.3 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Clinton County

According to FHFA’s house price index, home prices in Clinton County rose 54% in the 10 years through 2025.

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

Period County Pennsylvania U.S.
Last year (2025) +4.8% +4.7% +2.9%
5 years (2020–2025) +34% +48% +47%
10 years (2015–2025) +54% +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

Lock Haven next to Clinton 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
  • Lock Haven $137,300
  • Clinton $175,900
  • Pennsylvania $254,500
  • United States $332,700
Typical monthly rent
  • Lock Haven $792
  • Clinton $820
  • Pennsylvania $1,209
  • United States $1,413
Typical yearly household income
  • Lock Haven $46,102
  • Clinton $60,816
  • Pennsylvania $77,971
  • United States $80,734
See the full table
Lock Haven next to Clinton County and Pennsylvania
Measure Lock Haven Clinton County Pennsylvania U.S.
Typical home value $137,300 $175,900 $254,500 $332,700
Typical monthly rent $792 $820 $1,209 $1,413
Typical yearly household income $46,102 $60,816 $77,971 $80,734
Households that own their home 39% 72% 69% 65%
Typical yearly property tax $2,509 $2,046 $3,311 $3,119
Effective property tax rate 1.83% 1.16% 1.3% 0.94%
Renters with high rent for their income 47% 43% 48% 51%

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

For a typical $137,300 home in Lock Haven, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Lock Haven's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,241a month

    Least cash to close
    Down payment
    $4,806
    Cash to close
    $8,925
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $61

  • Conventional, 5% down $1,215a month

    Down payment
    $6,865
    Cash to close
    $10,984
    Rate
    7.18%
    Mortgage insurance
    PMI · $65

  • Conventional, 20% down, no PMI $1,011a month

    Down payment
    $27,460
    Cash to close
    $31,579
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,138a month

    Down payment
    $20,595
    Cash to close
    $24,714
    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 Lock Haven and for Clinton County.

Property tax

Effective rate in Lock Haven

1.83%of the home’s value each year

$2,509 a year for the typical owner in Lock Haven.

  • Lock Haven 1.83%
  • Clinton 1.16%
  • Pennsylvania 1.3%

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

Exemptions and deadlines in Pennsylvania

Flood risk in Clinton County

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

Homes in the high-risk zone
14%
2,079
Of those, with NFIP insurance
15%
County Pennsylvania U.S.
Homes in the high-risk zone 14% 2% 3.5%
Of those, with NFIP insurance 15% 23% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Lock Haven

Typical rent in Lock Haven is $792 a month: 3% below the county. In Lock Haven, 47% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Clinton County, by unit size. To pay the 2-bedroom one ($1,014 a month) without spending more than 30% of your income, you would need to earn $19.50 an hour working full time.

HUD fair market rent for all of Clinton 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 $778 $14.96 $31,120
1 bedroom $788 $15.15 $31,520
2 bedrooms $1,014 $19.50 $40,560
3 bedrooms $1,326 $25.50 $53,040
4 bedrooms $1,671 $32.13 $66,840

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 Lock Haven

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Lock Haven is in ZIP code 17745.

For 2 bedrooms it is $1,080: $66 more than the fair market rent for Clinton County ($1,014).

  • 17745 $1,080$1,430

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

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

  • Carter Towers 11 S Jones St, Lock Haven 17745 204 low-income homes · Run by The Housing Authority of Clinton County · Average payment: $373 a month · Average wait: 7 months · Homes at several sites (570) 748-2954
  • Lock Haven Gardens 610 E Bald Eagle St, Lock Haven 17745 150 homes, 149 low-income · For families (570) 748-5166
  • Probst Plaza 21 Williamson Hts, Lock Haven 17745 146 low-income homes · Run by The Housing Authority of Clinton County · Average payment: $445 a month · Average wait: 3 months · Homes at several sites (570) 748-2954
  • Kephart Plaza 360 E Park St, Lock Haven 17745 101 homes, 100 low-income · For older adults (570) 748-7775
  • Lock Haven Commons 706 E Water St, Lock Haven 17745 24 low-income homes · 2 bd: 20 · 3 bd: 4 · In service since 1997 · For families

See all 9 buildings in Clinton County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Lock Haven

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 Clinton County. The nearest ones are below; many serve by phone or online.

A pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in Lock Haven

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

Which programs do I qualify for? All programs in Pennsylvania

Housing counselors near Lock Haven

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

  • The Home Foundation

    226 E Nittany Ave, State College · 32 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (814) 954-4215

  • Cumberland County Housing and Redevelopment Authorities

    114 N Hanover St, Carlisle · 66 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (717) 249-0789

  • The Fair Housing Council of the Capital Region, Inc

    2100 N 6th St, Harrisburg · 66 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 4 more
    (717) 238-9540

All counseling agencies in Pennsylvania

Help in Spanish near Lock Haven

None 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 Lock Haven

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

  • The Housing Authority of Clinton County Public housing and Section 8 vouchers (570) 748-2954

All housing agencies in Pennsylvania Source: HUD

Cities

Nearby cities

The cities closest to Lock Haven, with the typical home value.

Everything about Clinton County Housing in Pennsylvania

Neighboring counties

If Clinton 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 Lock Haven.

All guides
A mother smiles as she carries her young daughter on her shoulders (black and white).

Questions

Housing questions about Lock Haven

Short answers with the numbers for Lock Haven and all of Clinton 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 Lock Haven?

The typical home value in Lock Haven is $137,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Clinton County it is $175,900.

How much does it cost to rent in Lock Haven?

Typical rent in Lock Haven is $792 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Clinton County is $1,014.

What is the FHA loan limit in Lock Haven?

Lock Haven uses the FHA limit for all of Clinton 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 Lock Haven?

The typical homeowner in Lock Haven pays $2,509 a year, according to the U.S. Census Bureau. That is 1.83% of the home’s value; in Clinton County, the rate is 1.16%.

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

We found no HUD-approved counseling agencies with an office in Clinton 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).