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City · 10,400 residents · Northampton County, Pennsylvania

Northampton , Pennsylvania

In Northampton, a typical home is worth $235,200 and typical rent is $1,174 a month. Compared with all of Northampton County, the typical home value is 24% lower and typical rent is 16% lower.

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  • Typical home value

    $235,200

    24% below the county

    8% below Pennsylvania

    • Northampton
    • County
    • Pennsylvania

  • Typical rent

    $1,174a month

    16% below the county

    3% below Pennsylvania

    • Northampton
    • County
    • Pennsylvania

  • Typical household income

    $90,762a year

    About the same as the county

    16% above Pennsylvania

    • Northampton
    • County
    • Pennsylvania

  • Households that own their home

    70%

    1 points below the county

    1 points above Pennsylvania

    • Northampton
    • County
    • Pennsylvania

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

Market now, with Zillow data

Zillow data
Typical home value
$352,863
2.8% more than 12 months ago
Typical rent
$1,694 a month

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

Northampton is in Northampton 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 Northampton County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Northampton apart

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

  1. The typical home in Northampton is worth $235,200, 24% less than in Northampton County as a whole ($308,600).

  2. The typical rent in Northampton is $1,174 a month, 16% less than in Northampton County as a whole ($1,395).

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

The homes here

Housing in Northampton

What homes there are in Northampton, 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

No kind of home is the majority in Northampton; the largest group, detached houses, adds up to 41%, less than in Northampton County (58%).

Year built

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

$1,620 a month

Northampton County: $1,957 a month

Without a mortgage

$664 a month

Northampton County: $766 a month

Owners with a mortgage

68%

Northampton County: 60%

Owning costs less in Northampton: with a mortgage, the typical cost is $1,620 a month; in Northampton County, $1,957. Without one, $664.

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 Northampton rose 35%; in Northampton County, it rose 40%.

The typical rent in Northampton rose 16% over the same time; in Northampton County, it rose 29%.

Here income gained ground: typical income rose 51%, against +35% for home values and +16% for rent.

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

MeasureNorthamptonNorthampton CountyPennsylvaniaUnited States
Rental vacancy Unreliable estimate2.5%4.9%5.5%
Homeowner vacancy Unreliable estimate0.7%0.8%0.9%
More than one person per room Unreliable estimate1.3%1.6%3.4%
People per household 2.412.492.392.53
Drive alone 74%75%68%69%
Carpool Unreliable estimate6%8%9%
Public transit Unreliable estimate1%4%3%
Walk or bike Unreliable estimate2%4%3%
Work from home 13%14%16%15%
Other means Unreliable estimate2%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

A household in Northampton has 2.41 people on average, about the same as in Northampton County (2.49).

In Northampton, 74% of workers drive alone to work; in Northampton County, 75%.

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 Northampton?

A typical home is within reach of the typical income

We start with a typical home in Northampton, worth $235,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 27% of the typical household income in Northampton, which is $90,762 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Northampton. 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 $8,232 (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

$2,074

at 7.18% · 30 years

Loan amount
$230,940
Total interest
$332,268
Paid off in
November 2056

Includes $3,972 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,118 a month

    Your payment · 27%

  • Tight

    $2,118 to $2,723 a month

  • Hard

    more than $2,723 a month

Compared with the typical household income in Northampton ($90,762 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,074
Principal & interest$1,564
Property tax$308
Home insurance$98
FHA mortgage insurance (MIP)$104

You need at least $8,232 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

Northampton and Northampton County

Northampton is in Northampton 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).

Northampton's own numbers

Typical home value
$235,200
Typical monthly rent
$1,174
Typical yearly household income
$90,762
Households that own their home
70%
Effective property tax rate
1.57%

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

Numbers for all of Northampton County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,839
Price change over 5 years (FHFA)
+59%
Homes in a high flood-risk zone
1.1%

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 Northampton County.

Everything about Northampton County

Buying

Buying a home in Northampton

A typical home in Northampton is worth $235,200: 24% below the county and 8% below Pennsylvania. With the typical household income in Northampton ($90,762 a year), a typical home costs 2.6 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.

  • Northampton 2.6 years
  • County 3.5 years
  • Pennsylvania 3.3 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Northampton County

According to FHFA’s house price index, home prices in Northampton County rose 92% in the 10 years through 2025.

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

Period County Pennsylvania U.S.
Last year (2025) +6.2% +4.7% +2.9%
5 years (2020–2025) +59% +48% +47%
10 years (2015–2025) +92% +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

Northampton next to Northampton 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
  • Northampton $235,200
  • County $308,600
  • Pennsylvania $254,500
  • United States $332,700
Typical monthly rent
  • Northampton $1,174
  • County $1,395
  • Pennsylvania $1,209
  • United States $1,413
Typical yearly household income
  • Northampton $90,762
  • County $89,184
  • Pennsylvania $77,971
  • United States $80,734
See the full table
Northampton next to Northampton County and Pennsylvania
Measure Northampton Northampton County Pennsylvania U.S.
Typical home value $235,200 $308,600 $254,500 $332,700
Typical monthly rent $1,174 $1,395 $1,209 $1,413
Typical yearly household income $90,762 $89,184 $77,971 $80,734
Households that own their home 70% 71% 69% 65%
Typical yearly property tax $3,685 $4,700 $3,311 $3,119
Effective property tax rate 1.57% 1.52% 1.3% 0.94%
Renters with high rent for their income 50% 50% 48% 51%

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

For a typical $235,200 home in Northampton, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Northampton's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,074a month

    Least cash to close
    Down payment
    $8,232
    Cash to close
    $15,288
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $104

  • Conventional, 5% down $2,031a month

    Down payment
    $11,760
    Cash to close
    $18,816
    Rate
    7.18%
    Mortgage insurance
    PMI · $112

  • Conventional, 20% down, no PMI $1,680a month

    Down payment
    $47,040
    Cash to close
    $54,096
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,898a month

    Down payment
    $35,280
    Cash to close
    $42,336
    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 Northampton and for Northampton County.

Property tax

Effective rate in Northampton

1.57%of the home’s value each year

$3,685 a year for the typical owner in Northampton.

  • Northampton 1.57%
  • County 1.52%
  • Pennsylvania 1.3%

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

Exemptions and deadlines in Pennsylvania

Flood risk in Northampton County

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

Homes in the high-risk zone
1.1%
1,124
Of those, with NFIP insurance
39%
County Pennsylvania U.S.
Homes in the high-risk zone 1.1% 2% 3.5%
Of those, with NFIP insurance 39% 23% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Northampton

Typical rent in Northampton is $1,174 a month: 16% below the county. In Northampton, 50% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Northampton County, by unit size. To pay the 2-bedroom one ($1,839 a month) without spending more than 30% of your income, you would need to earn $35.37 an hour working full time.

HUD fair market rent for all of Northampton 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 $1,302 $25.04 $52,080
1 bedroom $1,519 $29.21 $60,760
2 bedrooms $1,839 $35.37 $73,560
3 bedrooms $2,306 $44.35 $92,240
4 bedrooms $2,482 $47.73 $99,280

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 Northampton

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Northampton is in ZIP code 18067.

For 2 bedrooms it is $1,730: $109 less than the fair market rent for Northampton County ($1,839).

  • 18067 $1,730$2,170

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

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

  • Hampton House 1802 Lincoln Ave, Northampton 18067 101 homes, 100 low-income · For older adults (610) 262-1564
  • Washington Apts 2174 Washington Ave, Northampton 18067 14 low-income homes · 2 bd: 13 · 3 bd: 1 · In service since 1997 · For families

See all 50 buildings in Northampton County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Northampton

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 Northampton County; 1 says it serves in Spanish.

A grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in Northampton

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

Which programs do I qualify for? All programs in Pennsylvania

Housing counselors near Northampton

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

  • Community Action Committee of Lehigh Valley, Inc.

    1337 E 5th St, Bethlehem · 9 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 5 more
    (610) 691-5620

  • Greater Community Development Corporation

    403 Pastor Fred Davis St, Easton · 14 miles away

    • Budget and financial counseling
    • Pre-purchase counseling
    (610) 596-1134

  • Neighborhood Housing Services of Greater Berks, Inc.

    210 N 5th St, Reading · 33 miles away · Spanish

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

Every agency in Northampton County All counseling agencies in Pennsylvania

Help in Spanish near Northampton

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 Northampton

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

  • Northampton County Housing Authority Public housing and Section 8 vouchers (610) 965-4514

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

Cities

Other cities in Northampton County

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

Everything about Northampton County Housing in Pennsylvania

Nearby cities

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

Neighboring counties

If Northampton 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 Northampton.

All guides
Three generations of a family gather on the porch of their home.

Questions

Housing questions about Northampton

Short answers with the numbers for Northampton and all of Northampton 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 Northampton?

The typical home value in Northampton is $235,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Northampton County it is $308,600.

How much does it cost to rent in Northampton?

Typical rent in Northampton is $1,174 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Northampton County is $1,839.

What is the FHA loan limit in Northampton?

Northampton uses the FHA limit for all of Northampton 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 Northampton?

The typical homeowner in Northampton pays $3,685 a year, according to the U.S. Census Bureau. That is 1.57% of the home’s value; in Northampton County, the rate is 1.52%.

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

There are 2 HUD-approved counseling agencies with an office in Northampton 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).