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City · 19,452 residents · Chester County, Pennsylvania

Phoenixville , Pennsylvania

In Phoenixville, a typical home is worth $369,600 and typical rent is $1,735 a month. Compared with all of Chester County, the typical home value is 24% lower, typical household income is 20% lower, and the share of households that own their home is 20 points lower.

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  • Typical home value

    $369,600

    24% below the county

    45% above Pennsylvania

    • Phoenixville
    • Chester
    • Pennsylvania

  • Typical rent

    $1,735a month

    About the same as the county

    44% above Pennsylvania

    • Phoenixville
    • Chester
    • Pennsylvania

  • Typical household income

    $102,138a year

    20% below the county

    31% above Pennsylvania

    • Phoenixville
    • Chester
    • Pennsylvania

  • Households that own their home

    55%

    20 points below the county

    14 points below Pennsylvania

    • Phoenixville
    • Chester
    • Pennsylvania

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

Market now, with Zillow data

Zillow data
Typical home value
$526,693
2% more than 12 months ago
Typical rent
$2,048 a month
4.8% more than 12 months ago

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

Phoenixville is in Chester County. The FHA loan limit ($630,200 for a one-unit home), the fair market rents and the help on this page are those of all of Chester County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Phoenixville apart

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

  1. 55% of households in Phoenixville own their home, against 75% in Chester County.

  2. The typical home in Phoenixville is worth $369,600, 24% less than in Chester County as a whole ($485,600).

  3. Nearby, in Collegeville, the typical rent is $1,437: 17% less than in Phoenixville ($1,735).

  4. The typical household income in Phoenixville is $102,138, 20% less than in Chester County as a whole ($127,208).

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

The homes here

Housing in Phoenixville

What homes there are in Phoenixville, 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 Phoenixville; the largest group, attached houses (townhouses), adds up to 40%, against 19% in Chester County.

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

$2,080 a month

Chester County: $2,660 a month

Without a mortgage

$785 a month

Chester County: $977 a month

Owners with a mortgage

70%

Chester County: 68%

Owning costs less in Phoenixville: with a mortgage, the typical cost is $2,080 a month; in Chester County, $2,660. Without one, $785.

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 Phoenixville rose 56% since 2015–2019, more than in Chester County (36%).

The typical rent in Phoenixville rose 45% over the same time; in Chester County, it rose 33%.

The typical household income in Phoenixville rose 40%: less than home values (+56%) and rent (+45%).

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

MeasurePhoenixvilleChester CountyPennsylvaniaUnited States
Rental vacancy Unreliable estimate3.6%4.9%5.5%
Homeowner vacancy Unreliable estimate0.5%0.8%0.9%
More than one person per room Unreliable estimate1.4%1.6%3.4%
People per household 2.182.602.392.53
Drive alone 59%65%68%69%
Carpool 7%6%8%9%
Public transit Unreliable estimate1%4%3%
Walk or bike 4%2%4%3%
Work from home 28%24%16%15%
Other means Unreliable estimate1%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Phoenixville has 2.18 people, fewer than in Chester County (2.60).

Many people here do not commute at all: 28% work from home; in Chester County, 24%.

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 Phoenixville?

A typical home costs more than the typical income allows

We start with a typical home in Phoenixville, worth $369,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 37% of the typical household income in Phoenixville, which is $102,138 a year. For that payment to be 28% of income, a household would need to earn about $135,996 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Phoenixville. 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 $12,936 (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

$3,173

at 7.18% · 30 years

Loan amount
$362,906
Total interest
$522,136
Paid off in
November 2056

Includes $6,242 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,383 a month

  • Tight

    $2,383 to $3,064 a month

  • Hard

    more than $3,064 a month

    Your payment · 37%

Compared with the typical household income in Phoenixville ($102,138 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,173
Principal & interest$2,458
Property tax$397
Home insurance$154
FHA mortgage insurance (MIP)$163

You need at least $12,936 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

Phoenixville and Chester County

Phoenixville is in Chester 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).

Phoenixville's own numbers

Typical home value
$369,600
Typical monthly rent
$1,735
Typical yearly household income
$102,138
Households that own their home
55%
Effective property tax rate
1.29%

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

Numbers for all of Chester County

FHA limit, one-unit home
$630,200
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,860
Price change over 5 years (FHFA)
+52%
Homes in a high flood-risk zone
0.8%

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 Chester County.

Everything about Chester County

Buying

Buying a home in Phoenixville

A typical home in Phoenixville is worth $369,600: 24% below the county and 45% above Pennsylvania. With the typical household income in Phoenixville ($102,138 a year), a typical home costs 3.6 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.

  • Phoenixville 3.6 years
  • Chester 3.8 years
  • Pennsylvania 3.3 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Chester County

According to FHFA’s house price index, home prices in Chester County rose 77% in the 10 years through 2025.

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

Period County Pennsylvania U.S.
Last year (2025) +4.7% +4.7% +2.9%
5 years (2020–2025) +52% +48% +47%
10 years (2015–2025) +77% +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

Phoenixville next to Chester 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
  • Phoenixville $369,600
  • Chester $485,600
  • Pennsylvania $254,500
  • United States $332,700
Typical monthly rent
  • Phoenixville $1,735
  • Chester $1,763
  • Pennsylvania $1,209
  • United States $1,413
Typical yearly household income
  • Phoenixville $102,138
  • Chester $127,208
  • Pennsylvania $77,971
  • United States $80,734
See the full table
Phoenixville next to Chester County and Pennsylvania
Measure Phoenixville Chester County Pennsylvania U.S.
Typical home value $369,600 $485,600 $254,500 $332,700
Typical monthly rent $1,735 $1,763 $1,209 $1,413
Typical yearly household income $102,138 $127,208 $77,971 $80,734
Households that own their home 55% 75% 69% 65%
Typical yearly property tax $4,783 $6,308 $3,311 $3,119
Effective property tax rate 1.29% 1.3% 1.3% 0.94%
Renters with high rent for their income 40% 48% 48% 51%

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

For a typical $369,600 home in Phoenixville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Phoenixville's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,173a month

    Least cash to close
    Down payment
    $12,936
    Cash to close
    $24,024
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $163

  • Conventional, 5% down $3,105a month

    Down payment
    $18,480
    Cash to close
    $29,568
    Rate
    7.18%
    Mortgage insurance
    PMI · $176

  • Conventional, 20% down, no PMI $2,554a month

    Down payment
    $73,920
    Cash to close
    $85,008
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,896a month

    Down payment
    $55,440
    Cash to close
    $66,528
    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 Phoenixville and for Chester County.

Property tax

Effective rate in Phoenixville

1.29%of the home’s value each year

$4,783 a year for the typical owner in Phoenixville.

  • Phoenixville 1.29%
  • Chester 1.3%
  • Pennsylvania 1.3%

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

Exemptions and deadlines in Pennsylvania

Flood risk in Chester County

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

Homes in the high-risk zone
0.8%
1,279
Of those, with NFIP insurance
40%
County Pennsylvania U.S.
Homes in the high-risk zone 0.8% 2% 3.5%
Of those, with NFIP insurance 40% 23% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Phoenixville

Typical rent in Phoenixville is $1,735 a month: about the same as the county. In Phoenixville, 40% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Chester County, by unit size. To pay the 2-bedroom one ($1,860 a month) without spending more than 30% of your income, you would need to earn $35.77 an hour working full time.

HUD fair market rent for all of Chester 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 $1,438 $27.65 $57,520
1 bedroom $1,558 $29.96 $62,320
2 bedrooms $1,860 $35.77 $74,400
3 bedrooms $2,216 $42.62 $88,640
4 bedrooms $2,445 $47.02 $97,800

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 Phoenixville

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Phoenixville is in ZIP code 19460.

For 2 bedrooms it is $2,160: $300 more than the fair market rent for Chester County ($1,860).

  • 19460 $2,160$2,570

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

HUD lists 7 buildings with rents for lower incomes in Phoenixville. These are the largest.

  • French Creek Manor 501 Mason St, Phoenixville 19460 70 low-income homes · 1 bd: 46 · 2 bd: 24 · In service since 2004 · For older adults
  • ST. Peters Place 111 Church St, Phoenixville 19460 51 homes, 50 low-income · For older adults (610) 933-4383
  • Liberty House 100 Liberty House Ln, Phoenixville 19460 48 low-income homes · Studio: 28 · 1 bd: 13 · 2 bd: 7 · In service since 1996 · For people with disabilities
  • Episcopal House 601 Center St, Phoenixville 19460 45 low-income homes · For older adults (610) 917-1041
  • Fairview Village Fairview & Grant STS, Phoenixville 19460 36 low-income homes · 1 bd: 6 · 2 bd: 15 · 3 bd: 13 · 4 bd: 2 · In service since 2013 · For families

See all 51 buildings in Chester County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Phoenixville

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 Chester County; 1 says it serves in Spanish.

A man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in Phoenixville

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

Which programs do I qualify for? All programs in Pennsylvania

Housing counselors near Phoenixville

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

  • Genesis Housing Corporation

    1430 Dekalb St, Norristown · 11 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (610) 275-4357

  • Housing Partnership of Chester County

    41 W Lancaster Ave, Downingtown · 13 miles away · Spanish

    • Budget and financial counseling
    • Predatory lending workshops
    • and 2 more
    (610) 518-1522

  • Media Fellowship House

    302 S Jackson St, Media · 17 miles away

    • Mortgage delinquency and default
    • Pre-purchase counseling
    • and 1 more
    (610) 565-0434

Every agency in Chester County All counseling agencies in Pennsylvania

Help in Spanish near Phoenixville

1 of the 3 agencies on this list says it serves 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 Phoenixville

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

  • Housing Authority of the County of Chester Public housing and Section 8 vouchers (610) 436-9200

All housing agencies in Pennsylvania Source: HUD

Cities

Other cities in Chester County

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

Everything about Chester County Housing in Pennsylvania

Nearby cities

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

Neighboring counties

If Chester 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 Phoenixville.

All guides
Three women of one family talk as they cook vegetables in the kitchen.

Questions

Housing questions about Phoenixville

Short answers with the numbers for Phoenixville and all of Chester 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 Phoenixville?

The typical home value in Phoenixville is $369,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Chester County it is $485,600.

How much does it cost to rent in Phoenixville?

Typical rent in Phoenixville is $1,735 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Chester County is $1,860.

What is the FHA loan limit in Phoenixville?

Phoenixville uses the FHA limit for all of Chester County (2026): $630,200 for a one-unit home and $1,211,950 for a four-unit home.

How much property tax do owners pay in Phoenixville?

The typical homeowner in Phoenixville pays $4,783 a year, according to the U.S. Census Bureau. That is 1.29% of the home’s value; in Chester County, the rate is 1.3%.

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

There is 1 HUD-approved counseling agency with an office in Chester 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).