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City · 5,519 residents · Beaver County, Pennsylvania

Monaca , Pennsylvania

In Monaca, a typical home is worth $162,700 and typical rent is $768 a month. Compared with all of Beaver County, the typical home value is 15% lower, typical rent is 14% lower, and the share of households that own their home is 9 points lower.

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  • Typical home value

    $162,700

    15% below the county

    36% below Pennsylvania

    • Monaca
    • Beaver
    • Pennsylvania

  • Typical rent

    $768a month

    14% below the county

    36% below Pennsylvania

    • Monaca
    • Beaver
    • Pennsylvania

  • Typical household income

    $73,538a year

    3% above the county

    6% below Pennsylvania

    • Monaca
    • Beaver
    • Pennsylvania

  • Households that own their home

    66%

    9 points below the county

    3 points below Pennsylvania

    • Monaca
    • Beaver
    • Pennsylvania

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

Market now, with Zillow data

Zillow data
Typical home value
$219,595
4.9% more than 12 months ago
Typical rent
$1,551 a month

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

Monaca is in Beaver 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 Beaver County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Monaca apart

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

  1. Monaca has the 3rd smallest share of rent-burdened renters of the 232 cities in Pennsylvania with more than 5,000 people (28%).

  2. Nearby, in Beaver Falls, the typical home value is $92,100: 43% less than in Monaca ($162,700).

  3. 66% of households in Monaca own their home, against 75% in Beaver County.

  4. Monaca has the 21st lowest typical rent of the 265 cities in Pennsylvania with more than 5,000 people ($768).

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

The homes here

Housing in Monaca

What homes there are in Monaca, 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 Monaca, 8 in 10 homes are single-family detached houses; in Beaver County, 8.

Year built

Homes in Monaca are older: the typical year built is 1950; in Beaver County, 1957.

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

About 82% of rented homes in Monaca cost less than HUD's 2-bedroom fair market rent for Beaver County ($1,389).

With a mortgage

$1,369 a month

Beaver County: $1,437 a month

Without a mortgage

$577 a month

Beaver County: $623 a month

Owners with a mortgage

59%

Beaver County: 55%

In Monaca, 59% of owners have a mortgage; their typical cost is $1,369 a month, about the same as in Beaver County.

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 Monaca rose 33% since 2015–2019, about the same as in Beaver County (35%).

Much as in Beaver County, the typical rent in Monaca rose 28% since 2015–2019.

The typical household income in Monaca rose 84%: more than home values (+33%) and rent (+28%).

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

MeasureMonacaBeaver CountyPennsylvaniaUnited States
Rental vacancy Unreliable estimate7.2%4.9%5.5%
Homeowner vacancy Unreliable estimate1.3%0.8%0.9%
More than one person per room Unreliable estimate0.9%1.6%3.4%
People per household 2.362.262.392.53
Drive alone 79%74%68%69%
Carpool Unreliable estimate8%8%9%
Public transit Unreliable estimate1%4%3%
Walk or bike Unreliable estimate2%4%3%
Work from home 15%14%16%15%
Other means Unreliable estimate1%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

A household in Monaca has 2.36 people on average, about the same as in Beaver County (2.26).

In Monaca, 79% of workers drive alone to work; in Beaver County, 74%.

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 Monaca?

A typical home is within reach of the typical income

We start with a typical home in Monaca, worth $162,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 23% of the typical household income in Monaca, which is $73,538 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Monaca. 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 $5,695 (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

$1,408

at 7.18% · 30 years

Loan amount
$159,753
Total interest
$229,846
Paid off in
November 2056

Includes $2,748 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,716 a month

    Your payment · 23%

  • Tight

    $1,716 to $2,206 a month

  • Hard

    more than $2,206 a month

Compared with the typical household income in Monaca ($73,538 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,408
Principal & interest$1,082
Property tax$186
Home insurance$68
FHA mortgage insurance (MIP)$72

You need at least $5,695 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

Monaca and Beaver County

Monaca is in Beaver 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).

Monaca's own numbers

Typical home value
$162,700
Typical monthly rent
$768
Typical yearly household income
$73,538
Households that own their home
66%
Effective property tax rate
1.37%

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

Numbers for all of Beaver 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)
+39%
Homes in a high flood-risk zone
1.2%

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 Beaver County.

Everything about Beaver County

Buying

Buying a home in Monaca

A typical home in Monaca is worth $162,700: 15% below the county and 36% below Pennsylvania. With the typical household income in Monaca ($73,538 a year), a typical home costs 2.2 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.

  • Monaca 2.2 years
  • Beaver 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 Beaver County

According to FHFA’s house price index, home prices in Beaver County rose 67% in the 10 years through 2025.

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

Period County Pennsylvania U.S.
Last year (2025) +4.4% +4.7% +2.9%
5 years (2020–2025) +39% +48% +47%
10 years (2015–2025) +67% +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

Monaca next to Beaver 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
  • Monaca $162,700
  • Beaver $190,900
  • Pennsylvania $254,500
  • United States $332,700
Typical monthly rent
  • Monaca $768
  • Beaver $890
  • Pennsylvania $1,209
  • United States $1,413
Typical yearly household income
  • Monaca $73,538
  • Beaver $71,089
  • Pennsylvania $77,971
  • United States $80,734
See the full table
Monaca next to Beaver County and Pennsylvania
Measure Monaca Beaver County Pennsylvania U.S.
Typical home value $162,700 $190,900 $254,500 $332,700
Typical monthly rent $768 $890 $1,209 $1,413
Typical yearly household income $73,538 $71,089 $77,971 $80,734
Households that own their home 66% 75% 69% 65%
Typical yearly property tax $2,221 $2,704 $3,311 $3,119
Effective property tax rate 1.37% 1.42% 1.3% 0.94%
Renters with high rent for their income 28% 42% 48% 51%

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

For a typical $162,700 home in Monaca, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Monaca's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,408a month

    Least cash to close
    Down payment
    $5,695
    Cash to close
    $10,576
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $72

  • Conventional, 5% down $1,378a month

    Down payment
    $8,135
    Cash to close
    $13,016
    Rate
    7.18%
    Mortgage insurance
    PMI · $77

  • Conventional, 20% down, no PMI $1,135a month

    Down payment
    $32,540
    Cash to close
    $37,421
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,286a month

    Down payment
    $24,405
    Cash to close
    $29,286
    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 Monaca and for Beaver County.

Property tax

Effective rate in Monaca

1.37%of the home’s value each year

$2,221 a year for the typical owner in Monaca.

  • Monaca 1.37%
  • Beaver 1.42%
  • Pennsylvania 1.3%

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

Exemptions and deadlines in Pennsylvania

Flood risk in Beaver County

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

Homes in the high-risk zone
1.2%
802
Of those, with NFIP insurance
20%
County Pennsylvania U.S.
Homes in the high-risk zone 1.2% 2% 3.5%
Of those, with NFIP insurance 20% 23% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Monaca

Typical rent in Monaca is $768 a month: 14% below the county. In Monaca, 28% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Beaver 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 Beaver 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 Monaca

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Monaca is in ZIP code 15061.

For 2 bedrooms it is $1,260: $129 less than the fair market rent for Beaver County ($1,389).

  • 15061 $1,260$1,610

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

HUD lists 4 buildings with rents for lower incomes in Monaca. These are the largest.

  • A.c. Edgecomb Apts 1150 Bechtel St, Monaca 15061 293 homes, 263 low-income · Run by Housing Authority of the County of Beaver · Average payment: $439 a month · Average wait: 9 months (724) 775-1220
  • Spring Run 1999 Marshall Rd, Monaca 15061 101 homes, 100 low-income · For families (724) 728-7078
  • Center Township Apts. 3671 Brodhead Rd, Monaca 15061 48 low-income homes · For older adults (724) 774-5583
  • PMH Vi - Todd 270 Todd Ln, Monaca 15061 4 low-income homes · For people with disabilities (412) 820-1010

See all 43 buildings in Beaver County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Monaca

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 is 1 HUD-approved agency with an office in Beaver County; none says it serves in Spanish.

A grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in Monaca

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

Which programs do I qualify for? All programs in Pennsylvania

Housing counselors near Monaca

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

  • Housing Opportunities, Inc.

    293 Pinney St, Rochester · 1 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (724) 728-7511

  • Credit.org - Pittsburgh, PA Branch

    322 N Shore Dr, Pittsburgh · 21 miles away · Spanish

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

  • Don Services

    101 S Mercer St, New Castle · 22 miles away

    • Budget and credit workshops
    • Fair housing pre-purchase workshops
    • and 3 more
    (724) 652-5144

Every agency in Beaver County All counseling agencies in Pennsylvania

Help in Spanish near Monaca

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 Monaca

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

  • Housing Authority of the County of Beaver Public housing and Section 8 vouchers (724) 775-1220

All housing agencies in Pennsylvania Source: HUD

Cities

Other cities in Beaver County

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

Everything about Beaver County Housing in Pennsylvania

Nearby cities

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

Neighboring counties

If Beaver 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 Monaca.

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

Questions

Housing questions about Monaca

Short answers with the numbers for Monaca and all of Beaver 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 Monaca?

The typical home value in Monaca is $162,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Beaver County it is $190,900.

How much does it cost to rent in Monaca?

Typical rent in Monaca is $768 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Beaver County is $1,389.

What is the FHA loan limit in Monaca?

Monaca uses the FHA limit for all of Beaver 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 Monaca?

The typical homeowner in Monaca pays $2,221 a year, according to the U.S. Census Bureau. That is 1.37% of the home’s value; in Beaver County, the rate is 1.42%.

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

There is 1 HUD-approved counseling agency with an office in Beaver County. 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).