City · 5,381 residents · Lackawanna County, Pennsylvania
Olyphant, Pennsylvania
In Olyphant, a typical home is worth $160,900 and typical rent is $963 a month. Compared with all of Lackawanna County, the typical home value is 20% lower.
Typical home value from Zillow, September 2021 to September 2026: from $158,588 to $251,070.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Olyphant is in Lackawanna 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 Lackawanna County. See the county
What this place has that others do not, from public data, most unusual first.
1
According to Zillow, in the 12 months to September 2026 the typical home value in Olyphant rose 8.5%; in Pennsylvania, it rose 2.2%.
2
The typical home in Olyphant is worth $160,900,20% less than in Lackawanna County as a whole ($201,800).
Sources: Zillow (September 2026 data); U.S. Census Bureau (Average 2020–2024). Zillow data
The homes here
Housing in Olyphant
What homes there are in Olyphant, 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 houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Olyphant
Lackawanna County
Pennsylvania
United States
Kind of home: Olyphant and its comparisons
Measure
Olyphant
Lackawanna County
Pennsylvania
United States
Detached house
60%
64%
57%
61%
Attached house
Unreliable estimate
7%
19%
6%
Building of 2 to 4
21%
18%
8%
8%
Apartments (5 or more)
Unreliable estimate
9%
13%
19%
Mobile home
Unreliable estimate
2%
4%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses are the majority in Olyphant (60%), but less so than in Lackawanna County (64%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Olyphant
Lackawanna County
Pennsylvania
United States
Year built: Olyphant and its comparisons
Measure
Olyphant
Lackawanna County
Pennsylvania
United States
Before 1960
52%
55%
45%
26%
1960–1979
16%
21%
22%
24%
1980–1999
17%
14%
19%
25%
2000–2009
12%
6%
8%
14%
2010 or later
Unreliable estimate
4%
6%
11%
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K38%
$200K–$300K22%
$300K–$500K22%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Olyphant and its comparisons
Measure
Olyphant
Under $100K
Unreliable estimate
$100K–$200K
38%
$200K–$300K
22%
$300K–$500K
22%
$500K–$750K
Unreliable
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Olyphant and its comparisons
Measure
Olyphant
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,431 a month
Lackawanna County: $1,539 a month
Without a mortgage
$591 a month
Lackawanna County: $673 a month
Owners with a mortgage
62%
Lackawanna County: 52%
In Olyphant, 62% of owners have a mortgage, and their typical cost is $1,431 a month, against $1,539 in Lackawanna County. Without one it drops to $591.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
OlyphantNo clear change
Lackawanna County+32%
Pennsylvania+41%
United States+53%
Typical rent
OlyphantNo clear change
Lackawanna County+27%
Pennsylvania+29%
United States+33%
Typical household income
Olyphant+44%
Lackawanna County+25%
Pennsylvania+26%
United States+29%
Change since 2015–2019: Olyphant and its comparisons
Measure
Olyphant
Lackawanna County
Pennsylvania
United States
Typical home value
No clear change
+32%
+41%
+53%
Typical rent
No clear change
+27%
+29%
+33%
Typical household income
+44%
+25%
+26%
+29%
From 2015–2019 to 2020–2024, the typical home value in Olyphant did not change clearly: the difference is within the Census margin of error.
Rent in Olyphant moved so little since 2015–2019 that the Census cannot say whether it rose or fell.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Olyphant and its comparisons
Measure
Olyphant
Lackawanna County
Pennsylvania
United States
Rental vacancy
Unreliable estimate
4.9%
4.9%
5.5%
Homeowner vacancy
Unreliable estimate
0.9%
0.8%
0.9%
More than one person per room
Unreliable estimate
1.4%
1.6%
3.4%
People per household
2.32
2.35
2.39
2.53
Drive alone
77%
76%
68%
69%
Carpool
Unreliable estimate
9%
8%
9%
Public transit
Unreliable estimate
1%
4%
3%
Walk or bike
Unreliable estimate
3%
4%
3%
Work from home
Unreliable estimate
10%
16%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
Unreliable estimate
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
Much as in Lackawanna County, a household in Olyphant has 2.32 people on average.
To get to work, 77% of workers in Olyphant drive alone; in Lackawanna County, 76%.
Do the math
What would you pay each month for a home in Olyphant?
A typical home is within reach of the typical income
We start with a typical home in Olyphant, worth $160,900, 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 Olyphant, which is $66,423 a year.
The calculator's FHA and conventional loan limits are those of all of Lackawanna County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Olyphant. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $5,632 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$1,398
at 7.18% · 30 years
Loan amount
$157,985
Total interest
$227,304
Paid off in
November 2056
Includes $2,717 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,550 a month
Your payment · 25%
Tight
$1,550 to $1,993 a month
Hard
more than $1,993 a month
Compared with the typical household income in Olyphant ($66,423 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,070
Property tax
$189
Home insurance
$67
FHA mortgage insurance (MIP)
$71
You need at least $5,632 for the down payment, plus closing costs.
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.
Total monthly payment $1,398; principal and interest $1,070.
The city and its county
Olyphant and Lackawanna County
Olyphant is in Lackawanna 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).
Olyphant
Map of Lackawanna County, Pennsylvania, with Olyphant marked. Around it, the neighboring counties.
Olyphant
Lackawanna County
Other cities with a page
Olyphant's own numbers
Typical home value
$160,900
Typical monthly rent
$963
Typical yearly household income
$66,423
Households that own their home
69%
Effective property tax rate
1.41%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Lackawanna County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,363
Price change over 5 years (FHFA)
+54%
Homes in a high flood-risk zone
3.6%
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 Lackawanna County.
A typical home in Olyphant is worth $160,900: 20% below the county and 37% below Pennsylvania. With the typical household income in Olyphant ($66,423 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.
Olyphant2.4 years
Lackawanna3.0 years
Pennsylvania3.3 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Lackawanna County
According to FHFA’s house price index, home prices in Lackawanna County rose 74% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Lackawanna County.
Yearly change in FHFA’s price index in Lackawanna County, 2016 to 2025
2016: +0.8% +0.8% 2016
2017: +0.9% +0.9% 2017
2018: +2.7% +2.7% 2018
2019: +4.1% +4.1% 2019
2020: +3.6% +3.6% 2020
2021: +11.0% +11.0% 2021
2022: +14.7% +14.7% 2022
2023: +8.1% +8.1% 2023
2024: +6.7% +6.7% 2024
2025: +4.9% +4.9% 2025
Change in FHFA’s price index in Lackawanna County, Pennsylvania and the United States
Period
County
Pennsylvania
U.S.
Last year (2025)
+4.9%
+4.7%
+2.9%
5 years (2020–2025)
+54%
+48%
+47%
10 years (2015–2025)
+74%
+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
Olyphant next to Lackawanna 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
Olyphant$160,900
Lackawanna$201,800
Pennsylvania$254,500
United States$332,700
Typical monthly rent
Olyphant$963
Lackawanna$1,007
Pennsylvania$1,209
United States$1,413
Typical yearly household income
Olyphant$66,423
Lackawanna$66,223
Pennsylvania$77,971
United States$80,734
See the full table
Olyphant next to Lackawanna County and Pennsylvania
Measure
Olyphant
Lackawanna County
Pennsylvania
U.S.
Typical home value
$160,900 ▼20% below the county
$201,800
$254,500
$332,700
Typical monthly rent
$963 ▼4% below the county
$1,007
$1,209
$1,413
Typical yearly household income
$66,423
$66,223
$77,971
$80,734
Households that own their home
69% ▲3 points above the county
65%
69%
65%
Typical yearly property tax
$2,274 ▼25% below the county
$3,012
$3,311
$3,119
Effective property tax rate
1.41% ▼0.08 points below the county
1.49%
1.3%
0.94%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Lackawanna 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 Olyphant
For a typical $160,900 home in Olyphant, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Olyphant's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,398a month
Least cash to close
Down payment
$5,632
Cash to close
$10,459
Rate
7.18%
Mortgage insurance
FHA MIP · $71
Conventional, 5% down$1,368a month
Down payment
$8,045
Cash to close
$12,872
Rate
7.18%
Mortgage insurance
PMI · $76
Conventional, 20% down, no PMI$1,128a month
Down payment
$32,180
Cash to close
$37,007
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,277a month
Down payment
$24,135
Cash to close
$28,962
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Olyphant
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,398
$5,632
$157,986
7.18%
FHA MIP · $71
$10,459
580
Conventional, 5% down
$1,368
$8,045
$152,855
7.18%
PMI · $76
$12,872
620*
Conventional, 20% down, no PMI
$1,128
$32,180
$128,720
7.18%
None
$37,007
620*
ITIN, 15% down (example)
$1,277
$24,135
$136,765
8.18%
None
$28,962
Set by the lender
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.
Typical rent in Olyphant is $963 a month: 4% below the county.
HUD publishes a fair market rent for all of Lackawanna County, by unit size. To pay the 2-bedroom one ($1,363 a month) without spending more than 30% of your income, you would need to earn $26.21 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Lackawanna County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$949
$18.25
$37,960
1 bedroom
$1,106
$21.27
$44,240
2 bedrooms
$1,363
$26.21
$54,520
3 bedrooms
$1,786
$34.35
$71,440
4 bedrooms
$1,962
$37.73
$78,480
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 Olyphant
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Olyphant has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,260 in 18512 to $1,380 in 18447.
1 of the 2 is above the fair market rent for Lackawanna County ($1,363).
Fair market rent by ZIP code and size in Olyphant, fiscal year 2027.
18447
$960
$1,120
$1,380
$1,810
$1,990
18512
$880
$1,020
$1,260
$1,650
$1,810
ZIP code2 bd3 bd
18447 $1,380$1,810
18512 $1,260$1,650
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Olyphant 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 3 buildings with rents for lower incomes in Olyphant. These are the largest.
Jessup Housing210 Willow Ave, Olyphant 18447220 low-income homes · Run by Lackawanna County Housing Authority · Average payment: $415 a month · Average wait: 5 months(570) 342-7629
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 Lackawanna County; none says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Olyphant or Lackawanna County. The ones below are statewide in Pennsylvania: they work in Olyphant the same as in the rest of the state.
Pennsylvania state agency loan for the down payment and closing costs: up to 4% of the price or $6,000, at 0%, repaid over 10 years.Offered by Pennsylvania Housing Finance Agency (PHFA).
PHFA second loan of 5% of the price (or the appraised value, whichever is lower) for the down payment and closing costs, forgiven 10% each year over ten years; it goes with the Keystone Home Loan mortgage.Offered by Pennsylvania Housing Finance Agency (PHFA).
PHFA 0% second loan with no monthly payments, of 5% of the price (8% if the loan is $150,000 or less, as funds allow) for the down payment and closing costs; repaid when you sell, refinance or pay off the mortgage.Offered by Pennsylvania Housing Finance Agency (PHFA).
No legal help resource on our list is for Olyphant or Lackawanna County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Olyphant and all of Lackawanna 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 Olyphant?
The typical home value in Olyphant is $160,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Lackawanna County it is $201,800.
How much does it cost to rent in Olyphant?
Typical rent in Olyphant is $963 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Lackawanna County is $1,363.
What is the FHA loan limit in Olyphant?
Olyphant uses the FHA limit for all of Lackawanna 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 Olyphant?
The typical homeowner in Olyphant pays $2,274 a year, according to the U.S. Census Bureau. That is 1.41% of the home’s value; in Lackawanna County, the rate is 1.49%.
Where can I find free help to buy or rent in Olyphant?
There are 2 HUD-approved counseling agencies with an office in Lackawanna County. They can help you get ready to buy, with your credit, or with rent.
