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City · 5,786 residents · Allegheny County, Pennsylvania

McKees Rocks , Pennsylvania

In McKees Rocks, a typical home is worth $75,600 and typical rent is $1,081 a month. Compared with all of Allegheny County, the typical home value is 67% lower, typical household income is 48% lower, and the share of households that own their home is 24 points lower.

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  • Typical home value

    $75,600

    67% below the county

    70% below Pennsylvania

    • McKees Rocks
    • Allegheny
    • Pennsylvania

  • Typical rent

    $1,081a month

    6% below the county

    11% below Pennsylvania

    • McKees Rocks
    • Allegheny
    • Pennsylvania

  • Typical household income

    $41,131a year

    48% below the county

    47% below Pennsylvania

    • McKees Rocks
    • Allegheny
    • Pennsylvania

  • Households that own their home

    41%

    24 points below the county

    28 points below Pennsylvania

    • McKees Rocks
    • Allegheny
    • Pennsylvania

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

Market now, with Zillow data

Zillow data
Typical home value
$186,934
1% less than 12 months ago
Typical rent
$1,374 a month
2.4% more than 12 months ago

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

McKees Rocks is in Allegheny 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 Allegheny County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets McKees Rocks apart

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

  1. The typical home in McKees Rocks is worth $75,600, 67% less than in Allegheny County as a whole ($227,600).

  2. 41% of households in McKees Rocks own their home, against 65% in Allegheny County.

  3. The typical household income in McKees Rocks is $41,131, 48% less than in Allegheny County as a whole ($78,548).

  4. Nearby, in Carnegie, the typical rent is $890: 18% less than in McKees Rocks ($1,081).

  5. According to Zillow, in the 12 months to September 2026 the typical home value in McKees Rocks fell 1%; in Pennsylvania, it rose 2.2%.

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in McKees Rocks

What homes there are in McKees Rocks, 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 McKees Rocks, 5 in 10 homes are single-family detached houses; in Allegheny County, 6.

Year built

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

$1,118 a month

Allegheny County: $1,685 a month

Without a mortgage

$599 a month

Allegheny County: $654 a month

Owners with a mortgage

53%

Allegheny County: 58%

In McKees Rocks, 53% of owners have a mortgage, and their typical cost is $1,118 a month, against $1,685 in Allegheny County. Without one it drops to $599.

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 McKees Rocks rose 46% since 2015–2019, about the same as in Allegheny County (47%).

The typical rent in McKees Rocks rose 56% over the same time; in Allegheny County, it rose 30%.

While home values in McKees Rocks changed +46% and rent +56%, the typical household income rose 57%.

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

MeasureMcKees RocksAllegheny CountyPennsylvaniaUnited States
Rental vacancy Unreliable estimate6.8%4.9%5.5%
Homeowner vacancy Unreliable estimate0.9%0.8%0.9%
More than one person per room Unreliable estimate1.0%1.6%3.4%
People per household 2.132.202.392.53
Drive alone 53%62%68%69%
Carpool Unreliable estimate6%8%9%
Public transit Unreliable estimate5%4%3%
Walk or bike Unreliable estimate4%4%3%
Work from home Unreliable estimate21%16%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in Allegheny County, a household in McKees Rocks has 2.13 people on average.

To get to work, 53% of workers in McKees Rocks drive alone; in Allegheny County, 62%.

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 McKees Rocks?

A typical home is within reach of the typical income

We start with a typical home in McKees Rocks, worth $75,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 21% of the typical household income in McKees Rocks, which is $41,131 a year.

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

Your numbers

Local data
$

Starts at the typical home value in McKees Rocks. 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 $2,646 (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

$723

at 7.18% · 30 years

Loan amount
$74,231
Total interest
$106,801
Paid off in
November 2056

Includes $1,277 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $960 a month

    Your payment · 21%

  • Tight

    $960 to $1,234 a month

  • Hard

    more than $1,234 a month

Compared with the typical household income in McKees Rocks ($41,131 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$723
Principal & interest$503
Property tax$156
Home insurance$32
FHA mortgage insurance (MIP)$33

You need at least $2,646 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

McKees Rocks and Allegheny County

McKees Rocks is in Allegheny 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).

McKees Rocks's own numbers

Typical home value
$75,600
Typical monthly rent
$1,081
Typical yearly household income
$41,131
Households that own their home
41%
Effective property tax rate
2.47%

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

Numbers for all of Allegheny 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)
+40%
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 Allegheny County.

Everything about Allegheny County

Buying

Buying a home in McKees Rocks

A typical home in McKees Rocks is worth $75,600: 67% below the county and 70% below Pennsylvania. With the typical household income in McKees Rocks ($41,131 a year), a typical home costs 1.8 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.

  • McKees Rocks 1.8 years
  • Allegheny 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 Allegheny County

According to FHFA’s house price index, home prices in Allegheny County rose 76% in the 10 years through 2025.

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

Period County Pennsylvania U.S.
Last year (2025) +3.2% +4.7% +2.9%
5 years (2020–2025) +40% +48% +47%
10 years (2015–2025) +76% +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

McKees Rocks next to Allegheny 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
  • McKees Rocks $75,600
  • Allegheny $227,600
  • Pennsylvania $254,500
  • United States $332,700
Typical monthly rent
  • McKees Rocks $1,081
  • Allegheny $1,153
  • Pennsylvania $1,209
  • United States $1,413
Typical yearly household income
  • McKees Rocks $41,131
  • Allegheny $78,548
  • Pennsylvania $77,971
  • United States $80,734
See the full table
McKees Rocks next to Allegheny County and Pennsylvania
Measure McKees Rocks Allegheny County Pennsylvania U.S.
Typical home value $75,600 $227,600 $254,500 $332,700
Typical monthly rent $1,081 $1,153 $1,209 $1,413
Typical yearly household income $41,131 $78,548 $77,971 $80,734
Households that own their home 41% 65% 69% 65%
Typical yearly property tax $1,867 $3,451 $3,311 $3,119
Effective property tax rate 2.47% 1.52% 1.3% 0.94%
Renters with high rent for their income 55% 46% 48% 51%

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

For a typical $75,600 home in McKees Rocks, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, McKees Rocks's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $723a month

    Least cash to close
    Down payment
    $2,646
    Cash to close
    $4,914
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $33

  • Conventional, 5% down $710a month

    Down payment
    $3,780
    Cash to close
    $6,048
    Rate
    7.18%
    Mortgage insurance
    PMI · $36

  • Conventional, 20% down, no PMI $597a month

    Down payment
    $15,120
    Cash to close
    $17,388
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $667a month

    Down payment
    $11,340
    Cash to close
    $13,608
    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 McKees Rocks and for Allegheny County.

Property tax

Effective rate in McKees Rocks

2.47%of the home’s value each year

$1,867 a year for the typical owner in McKees Rocks.

  • McKees Rocks 2.47%
  • Allegheny 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 Allegheny County

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

Homes in the high-risk zone
0.9%
4,261
Of those, with NFIP insurance
28%
County Pennsylvania U.S.
Homes in the high-risk zone 0.9% 2% 3.5%
Of those, with NFIP insurance 28% 23% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in McKees Rocks

Typical rent in McKees Rocks is $1,081 a month: 6% below the county. In McKees Rocks, 55% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Allegheny 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 Allegheny 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 McKees Rocks

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). McKees Rocks is in ZIP code 15136.

For 2 bedrooms it is $1,420: $31 more than the fair market rent for Allegheny County ($1,389).

  • 15136 $1,420$1,810

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

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 6 HUD-approved agencies with an office in Allegheny County; 2 say they serve in Spanish.

A man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in McKees Rocks

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

Which programs do I qualify for? All programs in Pennsylvania

Housing counselors near McKees Rocks

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

  • Credit.org - Pittsburgh, PA Branch

    322 N Shore Dr, Pittsburgh · 3 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and credit workshops
    • and 4 more
    (800) 431-8157

  • Urban League of Greater Pittsburgh

    332 5th Ave, Pittsburgh · 4 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (412) 227-4163

  • Advantage Credit Counseling Service

    2403 Sidney St Ste 250, Pittsburgh · 6 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 2 more
    (888) 511-2227

Every agency in Allegheny County All counseling agencies in Pennsylvania

Help in Spanish near McKees Rocks

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 McKees Rocks

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

  • Allegheny County Housing Authority Public housing and Section 8 vouchers (412) 355-8940

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

Cities

Other cities in Allegheny County

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

Everything about Allegheny County Housing in Pennsylvania
See 21 more cities in Allegheny County, with prices and rents

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

Nearby cities

The cities closest to McKees Rocks, with the typical home value.

Neighboring counties

If Allegheny 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 McKees Rocks.

All guides
A smiling girl holds up a small mushroom she found on a forest outing.

Questions

Housing questions about McKees Rocks

Short answers with the numbers for McKees Rocks and all of Allegheny 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 McKees Rocks?

The typical home value in McKees Rocks is $75,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Allegheny County it is $227,600.

How much does it cost to rent in McKees Rocks?

Typical rent in McKees Rocks is $1,081 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Allegheny County is $1,389.

What is the FHA loan limit in McKees Rocks?

McKees Rocks uses the FHA limit for all of Allegheny 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 McKees Rocks?

The typical homeowner in McKees Rocks pays $1,867 a year, according to the U.S. Census Bureau. That is 2.47% of the home’s value; in Allegheny County, the rate is 1.52%.

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

There are 6 HUD-approved counseling agencies with an office in Allegheny 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).