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City · 6,780 residents · Westmoreland County, Pennsylvania

Monessen , Pennsylvania

In Monessen, a typical home is worth $95,900 and typical rent is $733 a month. Compared with all of Westmoreland County, the typical home value is 53% lower, typical household income is 29% lower, and the share of households that own their home is 5 points lower.

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  • Typical home value

    $95,900

    53% below the county

    62% below Pennsylvania

    • Monessen
    • Westmoreland
    • Pennsylvania

  • Typical rent

    $733a month

    17% below the county

    39% below Pennsylvania

    • Monessen
    • Westmoreland
    • Pennsylvania

  • Typical household income

    $52,889a year

    29% below the county

    32% below Pennsylvania

    • Monessen
    • Westmoreland
    • Pennsylvania

  • Households that own their home

    73%

    5 points below the county

    4 points above Pennsylvania

    • Monessen
    • Westmoreland
    • Pennsylvania

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

Market now, with Zillow data

Zillow data
Typical home value
$83,423
0.9% less than 12 months ago

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

Monessen 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 Monessen apart

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

  1. The typical home in Monessen is worth $95,900, 53% less than in Westmoreland County as a whole ($203,500).

  2. Monessen has the 11th lowest typical rent of the 265 cities in Pennsylvania with more than 5,000 people ($733).

  3. Nearby, in Clairton, the typical home value is $66,500: 31% less than in Monessen ($95,900).

  4. The typical household income in Monessen is $52,889, 29% less than in Westmoreland County as a whole ($74,109).

  5. According to Zillow, in the 12 months to September 2026 the typical home value in Monessen fell 0.9%; in Pennsylvania, it rose 2.2%.

  6. 73% of households in Monessen own their home, against 78% in Westmoreland County.

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

The homes here

Housing in Monessen

What homes there are in Monessen, 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

The detached house rules in Monessen: 81% of homes, more than in Westmoreland County (77%).

Year built

The typical home in Monessen was built in 1953, 11 years before the typical one in Westmoreland County.

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 94% of rented homes in Monessen cost less than HUD's 2-bedroom fair market rent for Westmoreland County ($1,389).

With a mortgage

$1,184 a month

Westmoreland County: $1,452 a month

Without a mortgage

$537 a month

Westmoreland County: $572 a month

Owners with a mortgage

47%

Westmoreland County: 54%

In Monessen, 47% of owners have a mortgage, and their typical cost is $1,184 a month, against $1,452 in Westmoreland County. Without one it drops to $537.

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 Monessen rose 26% since 2015–2019, less than in Westmoreland County (33%).

Since 2015–2019, the typical rent in Monessen 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

MeasureMonessenWestmoreland 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 2.122.232.392.53
Drive alone 73%77%68%69%
Carpool 9%7%8%9%
Public transit Unreliable estimate1%4%3%
Walk or bike Unreliable estimate2%4%3%
Work from home 11%13%16%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

By size, households in Monessen look like those in Westmoreland County: 2.12 people on average.

In Monessen, 73% of workers drive alone to work; in Westmoreland County, 77%.

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 Monessen?

A typical home is within reach of the typical income

We start with a typical home in Monessen, worth $95,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 20% of the typical household income in Monessen, which is $52,889 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 Monessen. 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 $3,357 (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

$877

at 7.18% · 30 years

Loan amount
$94,163
Total interest
$135,478
Paid off in
November 2056

Includes $1,620 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,234 a month

    Your payment · 20%

  • Tight

    $1,234 to $1,587 a month

  • Hard

    more than $1,587 a month

Compared with the typical household income in Monessen ($52,889 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$877
Principal & interest$638
Property tax$157
Home insurance$40
FHA mortgage insurance (MIP)$42

You need at least $3,357 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

Monessen and Westmoreland County

Monessen 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).

Monessen's own numbers

Typical home value
$95,900
Typical monthly rent
$733
Typical yearly household income
$52,889
Households that own their home
73%
Effective property tax rate
1.96%

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 Monessen

A typical home in Monessen is worth $95,900: 53% below the county and 62% below Pennsylvania. With the typical household income in Monessen ($52,889 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.

  • Monessen 1.8 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

Monessen 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
  • Monessen $95,900
  • Westmoreland $203,500
  • Pennsylvania $254,500
  • United States $332,700
Typical monthly rent
  • Monessen $733
  • Westmoreland $879
  • Pennsylvania $1,209
  • United States $1,413
Typical yearly household income
  • Monessen $52,889
  • Westmoreland $74,109
  • Pennsylvania $77,971
  • United States $80,734
See the full table
Monessen next to Westmoreland County and Pennsylvania
Measure Monessen Westmoreland County Pennsylvania U.S.
Typical home value $95,900 $203,500 $254,500 $332,700
Typical monthly rent $733 $879 $1,209 $1,413
Typical yearly household income $52,889 $74,109 $77,971 $80,734
Households that own their home 73% 78% 69% 65%
Typical yearly property tax $1,876 $2,501 $3,311 $3,119
Effective property tax rate 1.96% 1.23% 1.3% 0.94%
Renters with high rent for their income 50% 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 Monessen

For a typical $95,900 home in Monessen, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Monessen's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $877a month

    Least cash to close
    Down payment
    $3,357
    Cash to close
    $6,234
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $42

  • Conventional, 5% down $859a month

    Down payment
    $4,795
    Cash to close
    $7,672
    Rate
    7.18%
    Mortgage insurance
    PMI · $46

  • Conventional, 20% down, no PMI $716a month

    Down payment
    $19,180
    Cash to close
    $22,057
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $805a month

    Down payment
    $14,385
    Cash to close
    $17,262
    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 Monessen and for Westmoreland County.

Property tax

Effective rate in Monessen

1.96%of the home’s value each year

$1,876 a year for the typical owner in Monessen.

  • Monessen 1.96%
  • 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 Monessen

Typical rent in Monessen is $733 a month: 17% below the county. In Monessen, 50% 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 Monessen

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Monessen is in ZIP code 15062.

For 2 bedrooms it is $1,160: $229 less than the fair market rent for Westmoreland County ($1,389).

  • 15062 $1,160$1,480

A ZIP code counts for Monessen 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 Monessen

HUD lists 5 buildings with rents for lower incomes in Monessen. These are the largest.

  • Park & Highland Manor 1001 Highland Mnr, Monessen 15062 128 homes, 124 low-income · Run by Westmoreland County HSG Authority · Average payment: $308 a month · Average wait: 13 months · Homes at several sites (724) 832-7258
  • Eastgate & Valley Manor 331 3rd St, Monessen 15062 122 homes, 112 low-income · Run by Westmoreland County HSG Authority · Average payment: $340 a month · Average wait: 6 months (724) 832-7258
  • Westgate Manor Westgate Mnr, Monessen 15062 72 homes, 66 low-income · Run by Westmoreland County HSG Authority · Average payment: $365 a month · Average wait: 10 months · Homes at several sites (724) 832-7258
  • Monessen Senior Housing 629 Braddock Ave, Monessen 15062 12 low-income homes · 1 bd: 11 · 2 bd: 1 · In service since 1995 · For older adults
  • Westmoreland-South Housing 420 Reed Ave, Monessen 15062 10 low-income homes · 3 bd: 10 · In service since 2002 · For families

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

Free help

Help to buy or rent in Monessen

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 leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in Monessen

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

Which programs do I qualify for? All programs in Pennsylvania

Housing counselors near Monessen

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

  • Mon Valley Initiative

    303-305 E. 8th Avenue, Homestead · 18 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

  • Fayette County Community Action Agency

    140 N Beeson Ave, Uniontown · 19 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (724) 437-6050

  • Blueprints

    150 W Beau St, Washington · 19 miles away

    • Mortgage delinquency and default
    • Workshops for new owners
    • and 3 more
    (724) 225-9550

All counseling agencies in Pennsylvania

Help in Spanish near Monessen

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 Monessen

HUD’s record names them for Monessen 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 Monessen, 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 Monessen.

All guides
A couple spread mulch under the avocado trees of their family orchard, he on the tractor and she with a shovel.

Questions

Housing questions about Monessen

Short answers with the numbers for Monessen 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 Monessen?

The typical home value in Monessen is $95,900, 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 Monessen?

Typical rent in Monessen is $733 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 Monessen?

Monessen 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 Monessen?

The typical homeowner in Monessen pays $1,876 a year, according to the U.S. Census Bureau. That is 1.96% of the home’s value; in Westmoreland County, the rate is 1.23%.

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

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).