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City · 5,677 residents · Northumberland County, Pennsylvania

Mount Carmel , Pennsylvania

In Mount Carmel, a typical home is worth $81,800 and typical rent is $742 a month. Compared with all of Northumberland County, the typical home value is 50% lower and typical household income is 12% lower.

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  • Typical home value

    $81,800

    50% below the county

    68% below Pennsylvania

    • Mount Carmel
    • Northumberland
    • Pennsylvania

  • Typical rent

    $742a month

    8% below the county

    39% below Pennsylvania

    • Mount Carmel
    • Northumberland
    • Pennsylvania

  • Typical household income

    $53,021a year

    12% below the county

    32% below Pennsylvania

    • Mount Carmel
    • Northumberland
    • Pennsylvania

  • Households that own their home

    77%

    1 points above the county

    8 points above Pennsylvania

    • Mount Carmel
    • Northumberland
    • Pennsylvania

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

Market now, with Zillow data

Zillow data
Typical home value
$55,749
1.1% less than 12 months ago

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

Mount Carmel is in Northumberland 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 Northumberland County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Mount Carmel apart

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

  1. The typical home in Mount Carmel is worth $81,800, 50% less than in Northumberland County as a whole ($162,400).

  2. Mount Carmel has the 11th smallest share of rent-burdened renters of the 232 cities in Pennsylvania with more than 5,000 people (32%).

  3. Nearby, in Shamokin, the typical home value is $60,400: 26% less than in Mount Carmel ($81,800).

  4. Mount Carmel has the 15th lowest typical rent of the 265 cities in Pennsylvania with more than 5,000 people ($742).

  5. According to Zillow, in the 12 months to September 2026 the typical home value in Mount Carmel fell 1.1%; 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 Mount Carmel

What homes there are in Mount Carmel, 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 Mount Carmel there is a bit of everything: no kind of home reaches half. The most common are attached houses (townhouses) (53%), more than in Northumberland County (20%).

Year built

Old homes abound here: at least half date from before 1940, and 80% were built before 1960.

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

$966 a month

Northumberland County: $1,300 a month

Without a mortgage

$485 a month

Northumberland County: $537 a month

Owners with a mortgage

43%

Northumberland County: 51%

In Mount Carmel, 43% of owners have a mortgage, and their typical cost is $966 a month, against $1,300 in Northumberland County. Without one it drops to $485.

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, the typical home value in Mount Carmel rose 89%; in Northumberland County, it rose 38%.

Rent in Mount Carmel moved so little since 2015–2019 that the Census cannot say whether it rose or fell.

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

MeasureMount CarmelNorthumberland CountyPennsylvaniaUnited States
Rental vacancy Unreliable estimate6.1%4.9%5.5%
Homeowner vacancy Unreliable estimate1.2%0.8%0.9%
More than one person per room Unreliable estimate0.9%1.6%3.4%
People per household 2.382.292.392.53
Drive alone 73%76%68%69%
Carpool 14%9%8%9%
Public transit Unreliable estimateUnreliable estimate4%3%
Walk or bike Unreliable estimate4%4%3%
Work from home Unreliable estimate10%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 Mount Carmel look like those in Northumberland County: 2.38 people on average.

Carpooling is common in Mount Carmel: 14% of workers get to work that way, against 9% in Northumberland County.

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 Mount Carmel?

A typical home is within reach of the typical income

We start with a typical home in Mount Carmel, worth $81,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 16% of the typical household income in Mount Carmel, which is $53,021 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Mount Carmel. 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 $2,863 (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

$688

at 7.18% · 30 years

Loan amount
$80,318
Total interest
$115,559
Paid off in
November 2056

Includes $1,381 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,237 a month

    Your payment · 16%

  • Tight

    $1,237 to $1,591 a month

  • Hard

    more than $1,591 a month

Compared with the typical household income in Mount Carmel ($53,021 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$688
Principal & interest$544
Property tax$74
Home insurance$34
FHA mortgage insurance (MIP)$36

You need at least $2,863 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

Mount Carmel and Northumberland County

Mount Carmel is in Northumberland 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).

Mount Carmel's own numbers

Typical home value
$81,800
Typical monthly rent
$742
Typical yearly household income
$53,021
Households that own their home
77%
Effective property tax rate
1.08%

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

Numbers for all of Northumberland 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)
+46%
Homes in a high flood-risk zone
4.8%

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 Northumberland County.

Everything about Northumberland County

Buying

Buying a home in Mount Carmel

A typical home in Mount Carmel is worth $81,800: 50% below the county and 68% below Pennsylvania. With the typical household income in Mount Carmel ($53,021 a year), a typical home costs 1.5 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.

  • Mount Carmel 1.5 years
  • Northumberland 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 Northumberland County

According to FHFA’s house price index, home prices in Northumberland County rose 63% in the 10 years through 2025.

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

Period County Pennsylvania U.S.
Last year (2025) +5.3% +4.7% +2.9%
5 years (2020–2025) +46% +48% +47%
10 years (2015–2025) +63% +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

Mount Carmel next to Northumberland 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
  • Mount Carmel $81,800
  • Northumberland $162,400
  • Pennsylvania $254,500
  • United States $332,700
Typical monthly rent
  • Mount Carmel $742
  • Northumberland $806
  • Pennsylvania $1,209
  • United States $1,413
Typical yearly household income
  • Mount Carmel $53,021
  • Northumberland $60,583
  • Pennsylvania $77,971
  • United States $80,734
See the full table
Mount Carmel next to Northumberland County and Pennsylvania
Measure Mount Carmel Northumberland County Pennsylvania U.S.
Typical home value $81,800 $162,400 $254,500 $332,700
Typical monthly rent $742 $806 $1,209 $1,413
Typical yearly household income $53,021 $60,583 $77,971 $80,734
Households that own their home 77% 75% 69% 65%
Typical yearly property tax $885 $1,794 $3,311 $3,119
Effective property tax rate 1.08% 1.1% 1.3% 0.94%
Renters with high rent for their income 32% 43% 48% 51%

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

For a typical $81,800 home in Mount Carmel, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Mount Carmel's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $688a month

    Least cash to close
    Down payment
    $2,863
    Cash to close
    $5,317
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $36

  • Conventional, 5% down $673a month

    Down payment
    $4,090
    Cash to close
    $6,544
    Rate
    7.18%
    Mortgage insurance
    PMI · $39

  • Conventional, 20% down, no PMI $551a month

    Down payment
    $16,360
    Cash to close
    $18,814
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $627a month

    Down payment
    $12,270
    Cash to close
    $14,724
    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 Mount Carmel and for Northumberland County.

Property tax

Effective rate in Mount Carmel

1.08%of the home’s value each year

$885 a year for the typical owner in Mount Carmel.

  • Mount Carmel 1.08%
  • Northumberland 1.1%
  • Pennsylvania 1.3%

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

Exemptions and deadlines in Pennsylvania

Flood risk in Northumberland County

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

Homes in the high-risk zone
4.8%
1,692
Of those, with NFIP insurance
15%
County Pennsylvania U.S.
Homes in the high-risk zone 4.8% 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 Mount Carmel

Typical rent in Mount Carmel is $742 a month: 8% below the county. In Mount Carmel, 32% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Northumberland 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 Northumberland 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 $729 $14.02 $29,160
1 bedroom $899 $17.29 $35,960
2 bedrooms $1,014 $19.50 $40,560
3 bedrooms $1,320 $25.38 $52,800
4 bedrooms $1,408 $27.08 $56,320

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 Mount Carmel

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Mount Carmel is in ZIP code 17851.

For 2 bedrooms it is $1,030: $16 more than the fair market rent for Northumberland County ($1,014).

  • 17851 $1,030$1,330

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

HUD lists one building with rents for lower incomes in Mount Carmel.

  • Mount Carmel Apts 315 S Hickory St, Mount Carmel 17851 100 low-income homes · 1 bd: 100 · In service since 2015 · For older adults, people with disabilities (412) 469-2257

See all 17 buildings in Northumberland County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Mount Carmel

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

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in Mount Carmel

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

Which programs do I qualify for? All programs in Pennsylvania

Housing counselors near Mount Carmel

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

  • Schuylkill Community Action

    225 N Centre St, Pottsville · 14 miles away · Spanish

    • Mortgage delinquency and default
    • Home improvement and repairs
    • and 5 more
    (570) 622-1995

  • Neighborhood Housing Services of Greater Berks, Inc.

    210 N 5th St, Reading · 41 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 2 more
    (610) 372-8433

  • Berks Community Action Program, Inc.

    645 Penn St, Reading · 41 miles away · Spanish

    • Mortgage delinquency and default
    • Homelessness services
    • and 1 more
    (610) 375-7866

All counseling agencies in Pennsylvania

Help in Spanish near Mount Carmel

3 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 Mount Carmel

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

  • Housing Auth of the County of Northumberland Public housing and Section 8 vouchers (570) 742-8797

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

Cities

Other cities in Northumberland County

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

Everything about Northumberland County Housing in Pennsylvania

Nearby cities

The cities closest to Mount Carmel, with the typical home value.

Neighboring counties

If Northumberland 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 Mount Carmel.

All guides
A man and two girls read a book together on the sofa.

Questions

Housing questions about Mount Carmel

Short answers with the numbers for Mount Carmel and all of Northumberland 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 Mount Carmel?

The typical home value in Mount Carmel is $81,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Northumberland County it is $162,400.

How much does it cost to rent in Mount Carmel?

Typical rent in Mount Carmel is $742 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Northumberland County is $1,014.

What is the FHA loan limit in Mount Carmel?

Mount Carmel uses the FHA limit for all of Northumberland 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 Mount Carmel?

The typical homeowner in Mount Carmel pays $885 a year, according to the U.S. Census Bureau. That is 1.08% of the home’s value; in Northumberland County, the rate is 1.1%.

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

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