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City · 8,753 residents · Erie County, Pennsylvania

Northwest Harborcreek , Pennsylvania

In Northwest Harborcreek, a typical home is worth $225,800 and typical rent is $966 a month. Compared with all of Erie County, typical household income is 48% higher, the typical home value is 28% higher, and the share of households that own their home is 17 points higher.

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  • Typical home value

    $225,800

    28% above the county

    11% below Pennsylvania

    • Northwest Harborcreek
    • Erie
    • Pennsylvania

  • Typical rent

    $966a month

    7% above the county

    20% below Pennsylvania

    • Northwest Harborcreek
    • Erie
    • Pennsylvania

  • Typical household income

    $93,617a year

    48% above the county

    20% above Pennsylvania

    • Northwest Harborcreek
    • Erie
    • Pennsylvania

  • Households that own their home

    85%

    17 points above the county

    15 points above Pennsylvania

    • Northwest Harborcreek
    • Erie
    • Pennsylvania

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

Northwest Harborcreek is in Erie 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 Erie County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Northwest Harborcreek apart

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

  1. Nearby, in Titusville, the typical home value is $79,200: 65% less than in Northwest Harborcreek ($225,800).

  2. The typical household income in Northwest Harborcreek is $93,617, 48% more than in Erie County as a whole ($63,354).

  3. Nearby, in Titusville, the typical rent is $662: 31% less than in Northwest Harborcreek ($966).

  4. 85% of households in Northwest Harborcreek own their home, against 68% in Erie County.

  5. The typical home in Northwest Harborcreek is worth $225,800, 28% more than in Erie County as a whole ($177,000).

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

The homes here

Housing in Northwest Harborcreek

What homes there are in Northwest Harborcreek, 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

Detached houses, standing on their own, make up 82% of homes here, against 68% in Erie County.

Year built

Homes in Northwest Harborcreek are newer: the typical year built is 1976; in Erie County, 1964.

Homes in Northwest Harborcreek are bigger: 76% have 3 bedrooms or more; in Erie County, 64%.

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

At least 95% of owner-occupied homes in Northwest Harborcreek are worth less than $500,000, below the FHA loan limit for Erie County ($541,287).

Monthly rent with utilities

With a mortgage

$1,535 a month

Erie County: $1,393 a month

Without a mortgage

$639 a month

Erie County: $572 a month

Owners with a mortgage

56%

Erie County: 53%

Owning costs more in Northwest Harborcreek: with a mortgage, the typical cost is $1,535 a month; in Erie County, $1,393. Without one, $639.

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 Northwest Harborcreek rose 38% since 2015–2019, more than in Erie County (32%).

Since 2015–2019, the typical rent in Northwest Harborcreek 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

MeasureNorthwest HarborcreekErie CountyPennsylvaniaUnited States
Rental vacancy Unreliable estimate7.3%4.9%5.5%
Homeowner vacancy Unreliable estimate0.9%0.8%0.9%
More than one person per room Unreliable estimate1.1%1.6%3.4%
People per household 2.352.312.392.53
Drive alone 85%75%68%69%
Carpool Unreliable estimate9%8%9%
Public transit Unreliable estimate1%4%3%
Walk or bike Unreliable estimate4%4%3%
Work from home 7%9%16%15%
Other means Unreliable estimate2%1%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

By size, households in Northwest Harborcreek look like those in Erie County: 2.35 people on average.

In Northwest Harborcreek, 85% of workers drive alone to work; in Erie 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 Northwest Harborcreek?

A typical home is within reach of the typical income

We start with a typical home in Northwest Harborcreek, worth $225,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 25% of the typical household income in Northwest Harborcreek, which is $93,617 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Northwest Harborcreek. 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 $7,903 (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

$1,969

at 7.18% · 30 years

Loan amount
$221,710
Total interest
$318,989
Paid off in
November 2056

Includes $3,813 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,184 a month

    Your payment · 25%

  • Tight

    $2,184 to $2,809 a month

  • Hard

    more than $2,809 a month

Compared with the typical household income in Northwest Harborcreek ($93,617 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,969
Principal & interest$1,502
Property tax$273
Home insurance$94
FHA mortgage insurance (MIP)$100

You need at least $7,903 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

Northwest Harborcreek and Erie County

Northwest Harborcreek is in Erie 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).

Northwest Harborcreek's own numbers

Typical home value
$225,800
Typical monthly rent
$966
Typical yearly household income
$93,617
Households that own their home
85%
Effective property tax rate
1.45%

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

Numbers for all of Erie County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,091
Price change over 5 years (FHFA)
+59%
Homes in a high flood-risk zone
0.7%

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 Erie County.

Everything about Erie County

Buying

Buying a home in Northwest Harborcreek

A typical home in Northwest Harborcreek is worth $225,800: 28% above the county and 11% below Pennsylvania. With the typical household income in Northwest Harborcreek ($93,617 a year), a typical home costs 2.4 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.

  • Northwest Harborcreek 2.4 years
  • Erie 2.8 years
  • Pennsylvania 3.3 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Erie County

According to FHFA’s house price index, home prices in Erie County rose 78% in the 10 years through 2025.

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

Period County Pennsylvania U.S.
Last year (2025) +8.8% +4.7% +2.9%
5 years (2020–2025) +59% +48% +47%
10 years (2015–2025) +78% +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

Northwest Harborcreek next to Erie 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
  • Northwest Harborcreek $225,800
  • Erie $177,000
  • Pennsylvania $254,500
  • United States $332,700
Typical monthly rent
  • Northwest Harborcreek $966
  • Erie $904
  • Pennsylvania $1,209
  • United States $1,413
Typical yearly household income
  • Northwest Harborcreek $93,617
  • Erie $63,354
  • Pennsylvania $77,971
  • United States $80,734
See the full table
Northwest Harborcreek next to Erie County and Pennsylvania
Measure Northwest Harborcreek Erie County Pennsylvania U.S.
Typical home value $225,800 $177,000 $254,500 $332,700
Typical monthly rent $966 $904 $1,209 $1,413
Typical yearly household income $93,617 $63,354 $77,971 $80,734
Households that own their home 85% 68% 69% 65%
Typical yearly property tax $3,285 $2,830 $3,311 $3,119
Effective property tax rate 1.45% 1.6% 1.3% 0.94%
Renters with high rent for their income 51% 49% 48% 51%

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

For a typical $225,800 home in Northwest Harborcreek, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Northwest Harborcreek's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,969a month

    Least cash to close
    Down payment
    $7,903
    Cash to close
    $14,677
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $100

  • Conventional, 5% down $1,927a month

    Down payment
    $11,290
    Cash to close
    $18,064
    Rate
    7.18%
    Mortgage insurance
    PMI · $107

  • Conventional, 20% down, no PMI $1,591a month

    Down payment
    $45,160
    Cash to close
    $51,934
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,799a month

    Down payment
    $33,870
    Cash to close
    $40,644
    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 Northwest Harborcreek and for Erie County.

Property tax

Effective rate in Northwest Harborcreek

1.45%of the home’s value each year

$3,285 a year for the typical owner in Northwest Harborcreek.

  • Northwest Harborcreek 1.45%
  • Erie 1.6%
  • Pennsylvania 1.3%

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

Exemptions and deadlines in Pennsylvania

Flood risk in Erie County

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

Homes in the high-risk zone
0.7%
645
Of those, with NFIP insurance
27%
County Pennsylvania U.S.
Homes in the high-risk zone 0.7% 2% 3.5%
Of those, with NFIP insurance 27% 23% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Northwest Harborcreek

Typical rent in Northwest Harborcreek is $966 a month: 7% above the county. In Northwest Harborcreek, 51% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Erie County, by unit size. To pay the 2-bedroom one ($1,091 a month) without spending more than 30% of your income, you would need to earn $20.98 an hour working full time.

HUD fair market rent for all of Erie 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 $753 $14.48 $30,120
1 bedroom $851 $16.37 $34,040
2 bedrooms $1,091 $20.98 $43,640
3 bedrooms $1,350 $25.96 $54,000
4 bedrooms $1,564 $30.08 $62,560

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 Northwest Harborcreek

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Northwest Harborcreek has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,100 in 16510 to $1,210 in 16511.

2 of the 2 are above the fair market rent for Erie County ($1,091).

  • 16510 $1,100$1,360
  • 16511 $1,210$1,500

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Northwest Harborcreek 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?

Free help

Help to buy or rent in Northwest Harborcreek

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 Erie County; 1 says it serves in Spanish.

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

HUD counseling is free or low-cost

Assistance programs in Northwest Harborcreek

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

Which programs do I qualify for? All programs in Pennsylvania

Housing counselors near Northwest Harborcreek

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

  • Saint Martin Center, Inc

    1701 Parade St, Erie · 4 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    814-452-6113-213

  • Greater Erie Community Action Agency

    18 W 9th St, Erie · 5 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (814) 459-4581

  • Center for Family Services, Incorporated

    996 S Main St, Meadville · 36 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (814) 337-8450

Every agency in Erie County All counseling agencies in Pennsylvania

Help in Spanish near Northwest Harborcreek

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 Northwest Harborcreek

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

  • Housing Authority of the County of Erie Public housing and Section 8 vouchers (814) 665-5161

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

Cities

Other cities in Erie County

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

Everything about Erie County Housing in Pennsylvania

Nearby cities

The cities closest to Northwest Harborcreek, with the typical home value.

Neighboring counties

If Erie 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 Northwest Harborcreek.

All guides
A mother holding her baby watches her daughter blow bubbles outdoors.

Questions

Housing questions about Northwest Harborcreek

Short answers with the numbers for Northwest Harborcreek and all of Erie 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 Northwest Harborcreek?

The typical home value in Northwest Harborcreek is $225,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Erie County it is $177,000.

How much does it cost to rent in Northwest Harborcreek?

Typical rent in Northwest Harborcreek is $966 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Erie County is $1,091.

What is the FHA loan limit in Northwest Harborcreek?

Northwest Harborcreek uses the FHA limit for all of Erie 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 Northwest Harborcreek?

The typical homeowner in Northwest Harborcreek pays $3,285 a year, according to the U.S. Census Bureau. That is 1.45% of the home’s value; in Erie County, the rate is 1.6%.

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

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