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City · 5,066 residents · York County, Pennsylvania

New Freedom , Pennsylvania

In New Freedom, a typical home is worth $370,900 and typical rent is $1,640 a month. Compared with all of York County, the typical home value is 49% higher, typical household income is 42% higher, and the share of households that own their home is 14 points higher.

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  • Typical home value

    $370,900

    49% above the county

    46% above Pennsylvania

    • New Freedom
    • York
    • Pennsylvania

  • Typical rent

    $1,640a month

    37% above the county

    36% above Pennsylvania

    • New Freedom
    • York
    • Pennsylvania

  • Typical household income

    $120,037a year

    42% above the county

    54% above Pennsylvania

    • New Freedom
    • York
    • Pennsylvania

  • Households that own their home

    91%

    14 points above the county

    21 points above Pennsylvania

    • New Freedom
    • York
    • Pennsylvania

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

Market now, with Zillow data

Zillow data
Typical home value
$426,688
4% more than 12 months ago

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

New Freedom is in York 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 York County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets New Freedom apart

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

  1. Nearby, in York, the typical home value is $119,700: 68% less than in New Freedom ($370,900).

  2. Nearby, in Red Lion, the typical rent is $884: 46% less than in New Freedom ($1,640).

  3. The typical home in New Freedom is worth $370,900, 49% more than in York County as a whole ($248,600).

  4. The typical household income in New Freedom is $120,037, 42% more than in York County as a whole ($84,829).

  5. The typical rent in New Freedom is $1,640 a month, 37% more than in York County as a whole ($1,193).

  6. 91% of households in New Freedom own their home, against 76% in York County.

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

The homes here

Housing in New Freedom

What homes there are in New Freedom, 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 New Freedom: 86% of homes, more than in York County (64%).

Year built

Homes in New Freedom are newer: the typical year built is 1989; in York County, 1976.

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

$2,196 a month

York County: $1,765 a month

Without a mortgage

$745 a month

York County: $697 a month

Owners with a mortgage

67%

York County: 64%

In New Freedom, 67% of owners have a mortgage, and their typical cost is $2,196 a month, against $1,765 in York County. Without one it drops to $745.

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

Homes in New Freedom gained value more slowly than in York County: 35% since 2015–2019, against 40%.

The typical rent in New Freedom rose 46% over the same time; in York County, it rose 25%.

The typical household income in New Freedom rose 32% over that time; home values changed +35% and rent +46%.

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

MeasureNew FreedomYork CountyPennsylvaniaUnited States
Rental vacancy Unreliable estimate3.3%4.9%5.5%
Homeowner vacancy Unreliable estimate0.5%0.8%0.9%
More than one person per room Unreliable estimate1.3%1.6%3.4%
People per household 2.622.512.392.53
Drive alone 71%77%68%69%
Carpool Unreliable estimate7%8%9%
Public transit Unreliable estimate1%4%3%
Walk or bike Unreliable estimate2%4%3%
Work from home 24%12%16%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

A household in New Freedom has 2.62 people on average, about the same as in York County (2.51).

In New Freedom, 24% of workers work from home, more than in York County (12%).

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 New Freedom?

A typical home is tight for the typical income

We start with a typical home in New Freedom, worth $370,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 32% of the typical household income in New Freedom, which is $120,037 a year. For that payment to be 28% of income, a household would need to earn about $137,004 a year.

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

Your numbers

Local data
$

Starts at the typical home value in New Freedom. 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 $12,982 (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

$3,197

at 7.18% · 30 years

Loan amount
$364,182
Total interest
$523,972
Paid off in
November 2056

Includes $6,264 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,801 a month

  • Tight

    $2,801 to $3,601 a month

    Your payment · 32%

  • Hard

    more than $3,601 a month

Compared with the typical household income in New Freedom ($120,037 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,197
Principal & interest$2,467
Property tax$411
Home insurance$155
FHA mortgage insurance (MIP)$164

You need at least $12,982 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

New Freedom and York County

New Freedom is in York 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).

New Freedom's own numbers

Typical home value
$370,900
Typical monthly rent
$1,640
Typical yearly household income
$120,037
Households that own their home
91%
Effective property tax rate
1.33%

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

Numbers for all of York County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,327
Price change over 5 years (FHFA)
+54%
Homes in a high flood-risk zone
1%

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 York County.

Everything about York County

Buying

Buying a home in New Freedom

A typical home in New Freedom is worth $370,900: 49% above the county and 46% above Pennsylvania. With the typical household income in New Freedom ($120,037 a year), a typical home costs 3.1 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.

  • New Freedom 3.1 years
  • York 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 York County

According to FHFA’s house price index, home prices in York County rose 82% in the 10 years through 2025.

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

Period County Pennsylvania U.S.
Last year (2025) +5.7% +4.7% +2.9%
5 years (2020–2025) +54% +48% +47%
10 years (2015–2025) +82% +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

New Freedom next to York 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
  • New Freedom $370,900
  • York $248,600
  • Pennsylvania $254,500
  • United States $332,700
Typical monthly rent
  • New Freedom $1,640
  • York $1,193
  • Pennsylvania $1,209
  • United States $1,413
Typical yearly household income
  • New Freedom $120,037
  • York $84,829
  • Pennsylvania $77,971
  • United States $80,734
See the full table
New Freedom next to York County and Pennsylvania
Measure New Freedom York County Pennsylvania U.S.
Typical home value $370,900 $248,600 $254,500 $332,700
Typical monthly rent $1,640 $1,193 $1,209 $1,413
Typical yearly household income $120,037 $84,829 $77,971 $80,734
Households that own their home 91% 76% 69% 65%
Typical yearly property tax $4,918 $4,006 $3,311 $3,119
Effective property tax rate 1.33% 1.61% 1.3% 0.94%

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

For a typical $370,900 home in New Freedom, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, New Freedom's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,197a month

    Least cash to close
    Down payment
    $12,982
    Cash to close
    $24,109
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $164

  • Conventional, 5% down $3,129a month

    Down payment
    $18,545
    Cash to close
    $29,672
    Rate
    7.18%
    Mortgage insurance
    PMI · $176

  • Conventional, 20% down, no PMI $2,576a month

    Down payment
    $74,180
    Cash to close
    $85,307
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,919a month

    Down payment
    $55,635
    Cash to close
    $66,762
    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 New Freedom and for York County.

Property tax

Effective rate in New Freedom

1.33%of the home’s value each year

$4,918 a year for the typical owner in New Freedom.

  • New Freedom 1.33%
  • York 1.61%
  • Pennsylvania 1.3%

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

Exemptions and deadlines in Pennsylvania

Flood risk in York County

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

Homes in the high-risk zone
1%
1,506
Of those, with NFIP insurance
30%
County Pennsylvania U.S.
Homes in the high-risk zone 1% 2% 3.5%
Of those, with NFIP insurance 30% 23% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in New Freedom

Typical rent in New Freedom is $1,640 a month: 37% above the county.

HUD publishes a fair market rent for all of York County, by unit size. To pay the 2-bedroom one ($1,327 a month) without spending more than 30% of your income, you would need to earn $25.52 an hour working full time.

HUD fair market rent for all of York 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 $951 $18.29 $38,040
1 bedroom $1,042 $20.04 $41,680
2 bedrooms $1,327 $25.52 $53,080
3 bedrooms $1,757 $33.79 $70,280
4 bedrooms $1,846 $35.50 $73,840

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 New Freedom

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). New Freedom is in ZIP code 17349.

For 2 bedrooms it is $1,750: $423 more than the fair market rent for York County ($1,327).

  • 17349 $1,750$2,320

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

HUD lists 2 buildings with rents for lower incomes in New Freedom. These are the largest.

  • New Freedom Apts 178 Springwood Dr, New Freedom 17349 28 low-income homes · 2 bd: 4 · 3 bd: 24 · In service since 1999 · For families
  • New Freedom Apartments 146 Springwood Dr, New Freedom 17349 26 homes, 2 low-income

See all 58 buildings in York County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in New Freedom

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 York County; 1 says it serves in Spanish.

A man shakes hands with the specialist who helped him with his loan, in the kitchen of his new home.

HUD counseling is free or low-cost

Assistance programs in New Freedom

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

Which programs do I qualify for? All programs in Pennsylvania

Housing counselors near New Freedom

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

  • Community Progress Council, Inc.

    226 E College Ave, York · 16 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (717) 846-4600

  • Base,inc.

    447 S Prince St, Lancaster · 29 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 2 more
    (717) 392-5467

  • Tenfold

    308 E King St, Lancaster · 30 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (717) 397-5182

Every agency in York County All counseling agencies in Pennsylvania

Help in Spanish near New Freedom

2 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 New Freedom

In HUD’s record, no housing authority with an office in York County is named for New Freedom or York County.

One other authority has an office in York County: see the list Source: HUD

Cities

Other cities in York County

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

Everything about York County Housing in Pennsylvania

Nearby cities

The cities closest to New Freedom, with the typical home value.

Neighboring counties

If York 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 New Freedom.

All guides
A father, a mother and their daughter smile among the avocado trees by their home in Somis, California.

Questions

Housing questions about New Freedom

Short answers with the numbers for New Freedom and all of York 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 New Freedom?

The typical home value in New Freedom is $370,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in York County it is $248,600.

How much does it cost to rent in New Freedom?

Typical rent in New Freedom is $1,640 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in York County is $1,327.

What is the FHA loan limit in New Freedom?

New Freedom uses the FHA limit for all of York 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 New Freedom?

The typical homeowner in New Freedom pays $4,918 a year, according to the U.S. Census Bureau. That is 1.33% of the home’s value; in York County, the rate is 1.61%.

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

There is 1 HUD-approved counseling agency with an office in York County. 1 says it serves 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).