City · 8,982 residents · Lancaster County, Pennsylvania
Millersville, Pennsylvania
In Millersville, a typical home is worth $277,600 and typical rent is $1,369 a month. Compared with all of Lancaster County, typical household income is 22% lower, the typical home value is 8% lower, and the share of households that own their home is 13 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $265,037 to $354,644.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Millersville is in Lancaster 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 Lancaster County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Columbia, the typical home value is $196,500: 29% less than in Millersville ($277,600).
2
Nearby, in Columbia, the typical rent is $1,075: 21% less than in Millersville ($1,369).
3
57% of households in Millersville own their home, against 70% in Lancaster County.
4
The typical household income in Millersville is $67,866,22% less than in Lancaster County as a whole ($86,959).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Millersville
What homes there are in Millersville, 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 houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Millersville
Lancaster County
Pennsylvania
United States
Kind of home: Millersville and its comparisons
Measure
Millersville
Lancaster County
Pennsylvania
United States
Detached house
53%
55%
57%
61%
Attached house
17%
21%
19%
6%
Building of 2 to 4
20%
7%
8%
8%
Apartments (5 or more)
Unreliable estimate
13%
13%
19%
Mobile home
Unreliable estimate
4%
4%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is the most common home in Millersville: 53% of homes, near the figure in Lancaster County (55%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Millersville
Lancaster County
Pennsylvania
United States
Year built: Millersville and its comparisons
Measure
Millersville
Lancaster County
Pennsylvania
United States
Before 1960
41%
33%
45%
26%
1960–1979
29%
20%
22%
24%
1980–1999
16%
27%
19%
25%
2000–2009
10%
11%
8%
14%
2010 or later
Unreliable estimate
9%
6%
11%
In Millersville, 71% of homes have 3 bedrooms or more, about the same as in Lancaster County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K17%
$200K–$300K45%
$300K–$500K32%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Millersville and its comparisons
Measure
Millersville
Under $100K
Unreliable estimate
$100K–$200K
17%
$200K–$300K
45%
$300K–$500K
32%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49921%
$1,500–$1,99938%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Millersville and its comparisons
Measure
Millersville
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
21%
$1,500–$1,999
38%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,794 a month
Lancaster County: $1,818 a month
Without a mortgage
$688 a month
Lancaster County: $702 a month
Owners with a mortgage
62%
Lancaster County: 60%
The typical cost for an owner with a mortgage in Millersville is $1,794 a month, near the figure in Lancaster County ($1,818).
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Millersville+59%
Lancaster County+44%
Pennsylvania+41%
United States+53%
Typical rent
MillersvilleNo clear change
Lancaster County+35%
Pennsylvania+29%
United States+33%
Typical household income
Millersville+33%
Lancaster County+32%
Pennsylvania+26%
United States+29%
Change since 2015–2019: Millersville and its comparisons
Measure
Millersville
Lancaster County
Pennsylvania
United States
Typical home value
+59%
+44%
+41%
+53%
Typical rent
No clear change
+35%
+29%
+33%
Typical household income
+33%
+32%
+26%
+29%
From 2015–2019 to 2020–2024, the typical home value in Millersville rose 59%; in Lancaster County, it rose 44%.
Rent in Millersville moved so little since 2015–2019 that the Census cannot say whether it rose or fell.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Millersville and its comparisons
Measure
Millersville
Lancaster County
Pennsylvania
United States
Rental vacancy
Unreliable estimate
2.1%
4.9%
5.5%
Homeowner vacancy
Unreliable estimate
0.3%
0.8%
0.9%
More than one person per room
Unreliable estimate
2.2%
1.6%
3.4%
People per household
2.69
2.55
2.39
2.53
Drive alone
65%
72%
68%
69%
Carpool
8%
10%
8%
9%
Public transit
Unreliable estimate
1%
4%
3%
Walk or bike
17%
4%
4%
3%
Work from home
8%
12%
16%
15%
Other means
Unreliable estimate
2%
1%
2%
Typical commute
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
More people live in each home here: 2.69 on average, against 2.55 in Lancaster County.
More people walk or bike to work in Millersville: 17%, against 4% in Lancaster County.
Do the math
What would you pay each month for a home in Millersville?
A typical home costs more than the typical income allows
We start with a typical home in Millersville, worth $277,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 43% of the typical household income in Millersville, which is $67,866 a year. For that payment to be 28% of income, a household would need to earn about $103,830 a year.
The calculator's FHA and conventional loan limits are those of all of Lancaster County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Millersville. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $9,716 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$2,423
at 7.18% · 30 years
Loan amount
$272,572
Total interest
$392,167
Paid off in
November 2056
Includes $4,688 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,584 a month
Tight
$1,584 to $2,036 a month
Hard
more than $2,036 a month
Your payment · 43%
Compared with the typical household income in Millersville ($67,866 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,846
Property tax
$338
Home insurance
$116
FHA mortgage insurance (MIP)
$123
You need at least $9,716 for the down payment, plus closing costs.
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.
Total monthly payment $2,423; principal and interest $1,846.
The city and its county
Millersville and Lancaster County
Millersville is in Lancaster 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).
Millersville
Map of Lancaster County, Pennsylvania, with Millersville marked. Around it, the neighboring counties.
Millersville
Lancaster County
Other cities with a page
Millersville's own numbers
Typical home value
$277,600
Typical monthly rent
$1,369
Typical yearly household income
$67,866
Households that own their home
57%
Effective property tax rate
1.46%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Lancaster County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,553
Price change over 5 years (FHFA)
+59%
Homes in a high flood-risk zone
0.8%
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 Lancaster County.
A typical home in Millersville is worth $277,600: 8% below the county and 9% above Pennsylvania. With the typical household income in Millersville ($67,866 a year), a typical home costs 4.1 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.
Millersville4.1 years
Lancaster3.5 years
Pennsylvania3.3 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Lancaster County
According to FHFA’s house price index, home prices in Lancaster County rose 93% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Lancaster County.
Yearly change in FHFA’s price index in Lancaster County, 2016 to 2025
2016: +2.6% +2.6% 2016
2017: +4.1% +4.1% 2017
2018: +5.5% +5.5% 2018
2019: +4.0% +4.0% 2019
2020: +3.9% +3.9% 2020
2021: +11.3% +11.3% 2021
2022: +15.8% +15.8% 2022
2023: +10.1% +10.1% 2023
2024: +6.4% +6.4% 2024
2025: +5.0% +5.0% 2025
Change in FHFA’s price index in Lancaster County, Pennsylvania and the United States
Period
County
Pennsylvania
U.S.
Last year (2025)
+5.0%
+4.7%
+2.9%
5 years (2020–2025)
+59%
+48%
+47%
10 years (2015–2025)
+93%
+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
Millersville next to Lancaster 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
Millersville$277,600
Lancaster$301,100
Pennsylvania$254,500
United States$332,700
Typical monthly rent
Millersville$1,369
Lancaster$1,357
Pennsylvania$1,209
United States$1,413
Typical yearly household income
Millersville$67,866
Lancaster$86,959
Pennsylvania$77,971
United States$80,734
See the full table
Millersville next to Lancaster County and Pennsylvania
Measure
Millersville
Lancaster County
Pennsylvania
U.S.
Typical home value
$277,600 ▼8% below the county
$301,100
$254,500
$332,700
Typical monthly rent
$1,369
$1,357
$1,209
$1,413
Typical yearly household income
$67,866 ▼22% below the county
$86,959
$77,971
$80,734
Households that own their home
57% ▼13 points below the county
70%
69%
65%
Typical yearly property tax
$4,044
$3,975
$3,311
$3,119
Effective property tax rate
1.46% ▲0.14 points above the county
1.32%
1.3%
0.94%
Renters with high rent for their income
51% ▲5 points above the county
46%
48%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Lancaster 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 Millersville
For a typical $277,600 home in Millersville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Millersville's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,423a month
Least cash to close
Down payment
$9,716
Cash to close
$18,044
Rate
7.18%
Mortgage insurance
FHA MIP · $123
Conventional, 5% down$2,372a month
Down payment
$13,880
Cash to close
$22,208
Rate
7.18%
Mortgage insurance
PMI · $132
Conventional, 20% down, no PMI$1,958a month
Down payment
$55,520
Cash to close
$63,848
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,215a month
Down payment
$41,640
Cash to close
$49,968
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Millersville
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,423
$9,716
$272,572
7.18%
FHA MIP · $123
$18,044
580
Conventional, 5% down
$2,372
$13,880
$263,720
7.18%
PMI · $132
$22,208
620*
Conventional, 20% down, no PMI
$1,958
$55,520
$222,080
7.18%
None
$63,848
620*
ITIN, 15% down (example)
$2,215
$41,640
$235,960
8.18%
None
$49,968
Set by the lender
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.
Typical rent in Millersville is $1,369 a month: about the same as the county. In Millersville, 51% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Lancaster County, by unit size. To pay the 2-bedroom one ($1,553 a month) without spending more than 30% of your income, you would need to earn $29.87 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Lancaster County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,152
$22.15
$46,080
1 bedroom
$1,256
$24.15
$50,240
2 bedrooms
$1,553
$29.87
$62,120
3 bedrooms
$1,978
$38.04
$79,120
4 bedrooms
$2,041
$39.25
$81,640
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 Millersville
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Millersville is in ZIP code 17551.
For 2 bedrooms it is $1,950: $397 more than the fair market rent for Lancaster County ($1,553).
Fair market rent by ZIP code and size in Millersville, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
17551
$1,450
$1,580
$1,950
$2,480
$2,560
ZIP code2 bd3 bd
17551 $1,950$2,480
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Millersville 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
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 Lancaster County; 1 says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Millersville or Lancaster County. The ones below are statewide in Pennsylvania: they work in Millersville the same as in the rest of the state.
Pennsylvania state agency loan for the down payment and closing costs: up to 4% of the price or $6,000, at 0%, repaid over 10 years.Offered by Pennsylvania Housing Finance Agency (PHFA).
PHFA second loan of 5% of the price (or the appraised value, whichever is lower) for the down payment and closing costs, forgiven 10% each year over ten years; it goes with the Keystone Home Loan mortgage.Offered by Pennsylvania Housing Finance Agency (PHFA).
PHFA 0% second loan with no monthly payments, of 5% of the price (8% if the loan is $150,000 or less, as funds allow) for the down payment and closing costs; repaid when you sell, refinance or pay off the mortgage.Offered by Pennsylvania Housing Finance Agency (PHFA).
The HUD-approved agencies closest to the center of Millersville, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
No legal help resource on our list is for Millersville or Lancaster County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Millersville and all of Lancaster 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 Millersville?
The typical home value in Millersville is $277,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Lancaster County it is $301,100.
How much does it cost to rent in Millersville?
Typical rent in Millersville is $1,369 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Lancaster County is $1,553.
What is the FHA loan limit in Millersville?
Millersville uses the FHA limit for all of Lancaster 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 Millersville?
The typical homeowner in Millersville pays $4,044 a year, according to the U.S. Census Bureau. That is 1.46% of the home’s value; in Lancaster County, the rate is 1.32%.
Where can I find free help to buy or rent in Millersville?
There are 2 HUD-approved counseling agencies with an office in Lancaster County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.
