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City · 5,770 residents · Luzerne County, Pennsylvania

Plymouth , Pennsylvania

In Plymouth, a typical home is worth $92,500 and typical rent is $930 a month. Compared with all of Luzerne County, the typical home value is 47% lower, typical household income is 39% lower, and the share of households that own their home is 19 points lower.

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  • Typical home value

    $92,500

    47% below the county

    64% below Pennsylvania

    • Plymouth
    • Luzerne
    • Pennsylvania

  • Typical rent

    $930a month

    7% below the county

    23% below Pennsylvania

    • Plymouth
    • Luzerne
    • Pennsylvania

  • Typical household income

    $39,167a year

    39% below the county

    50% below Pennsylvania

    • Plymouth
    • Luzerne
    • Pennsylvania

  • Households that own their home

    49%

    19 points below the county

    21 points below Pennsylvania

    • Plymouth
    • Luzerne
    • Pennsylvania

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

Market now, with Zillow data

Zillow data
Typical home value
$152,842
4.4% less than 12 months ago

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

Plymouth is in Luzerne 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 Luzerne County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Plymouth apart

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

  1. Plymouth has the 7th lowest typical household income of the 272 cities in Pennsylvania with more than 5,000 people ($39,167).

  2. The typical home in Plymouth is worth $92,500, 47% less than in Luzerne County as a whole ($174,100).

  3. 49% of households in Plymouth own their home, against 68% in Luzerne County.

  4. According to Zillow, in the 12 months to September 2026 the typical home value in Plymouth fell 4.4%; in Pennsylvania, it rose 2.2%.

  5. Nearby, in Swoyersville, the typical rent is $744: 20% less than in Plymouth ($930).

  6. 20% of households in Plymouth have no internet at home (10% in Luzerne County).

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Plymouth

What homes there are in Plymouth, 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 Plymouth; the largest group, detached houses, adds up to 43%, less than in Luzerne County (64%).

Year built

In Plymouth, half of the homes were built before 1944; in Luzerne County, before 1960.

There are fewer big homes in Plymouth than in Luzerne County: 56% have 3 bedrooms or more, against 66%.

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

$1,026 a month

Luzerne County: $1,475 a month

Without a mortgage

$518 a month

Luzerne County: $623 a month

Owners with a mortgage

45%

Luzerne County: 54%

In Plymouth, 45% of owners have a mortgage, and their typical cost is $1,026 a month, against $1,475 in Luzerne County. Without one it drops to $518.

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 Plymouth gained value more slowly than in Luzerne County: 28% since 2015–2019, against 37%.

The typical rent in Plymouth rose 29% since 2015–2019, about the same as in Luzerne County (28%).

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

MeasurePlymouthLuzerne CountyPennsylvaniaUnited States
Rental vacancy Unreliable estimate4.7%4.9%5.5%
Homeowner vacancy Unreliable estimate1.0%0.8%0.9%
More than one person per room Unreliable estimate1.6%1.6%3.4%
People per household 2.462.352.392.53
Drive alone 74%75%68%69%
Carpool 9%10%8%9%
Public transit Unreliable estimate1%4%3%
Walk or bike Unreliable estimate3%4%3%
Work from home 5%11%16%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

Much as in Luzerne County, a household in Plymouth has 2.46 people on average.

To get to work, 74% of workers in Plymouth drive alone; in Luzerne 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 Plymouth?

A typical home is within reach of the typical income

We start with a typical home in Plymouth, worth $92,500, 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 Plymouth, which is $39,167 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Plymouth. 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 $3,238 (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

$830

at 7.18% · 30 years

Loan amount
$90,824
Total interest
$130,675
Paid off in
November 2056

Includes $1,562 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $914 a month

    Your payment · 25%

  • Tight

    $914 to $1,175 a month

  • Hard

    more than $1,175 a month

Compared with the typical household income in Plymouth ($39,167 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$830
Principal & interest$615
Property tax$135
Home insurance$39
FHA mortgage insurance (MIP)$41

You need at least $3,238 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

Plymouth and Luzerne County

Plymouth is in Luzerne 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).

Plymouth's own numbers

Typical home value
$92,500
Typical monthly rent
$930
Typical yearly household income
$39,167
Households that own their home
49%
Effective property tax rate
1.75%

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

Numbers for all of Luzerne 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)
+61%
Homes in a high flood-risk zone
2.3%

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 Luzerne County.

Everything about Luzerne County

Buying

Buying a home in Plymouth

A typical home in Plymouth is worth $92,500: 47% below the county and 64% below Pennsylvania. With the typical household income in Plymouth ($39,167 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.

  • Plymouth 2.4 years
  • Luzerne 2.7 years
  • Pennsylvania 3.3 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Luzerne County

According to FHFA’s house price index, home prices in Luzerne County rose 81% in the 10 years through 2025.

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

Period County Pennsylvania U.S.
Last year (2025) +5.5% +4.7% +2.9%
5 years (2020–2025) +61% +48% +47%
10 years (2015–2025) +81% +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

Plymouth next to Luzerne 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
  • Plymouth $92,500
  • Luzerne $174,100
  • Pennsylvania $254,500
  • United States $332,700
Typical monthly rent
  • Plymouth $930
  • Luzerne $1,004
  • Pennsylvania $1,209
  • United States $1,413
Typical yearly household income
  • Plymouth $39,167
  • Luzerne $63,691
  • Pennsylvania $77,971
  • United States $80,734
See the full table
Plymouth next to Luzerne County and Pennsylvania
Measure Plymouth Luzerne County Pennsylvania U.S.
Typical home value $92,500 $174,100 $254,500 $332,700
Typical monthly rent $930 $1,004 $1,209 $1,413
Typical yearly household income $39,167 $63,691 $77,971 $80,734
Households that own their home 49% 68% 69% 65%
Typical yearly property tax $1,616 $2,530 $3,311 $3,119
Effective property tax rate 1.75% 1.45% 1.3% 0.94%
Renters with high rent for their income 54% 46% 48% 51%

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

For a typical $92,500 home in Plymouth, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Plymouth's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $830a month

    Least cash to close
    Down payment
    $3,238
    Cash to close
    $6,013
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $41

  • Conventional, 5% down $813a month

    Down payment
    $4,625
    Cash to close
    $7,400
    Rate
    7.18%
    Mortgage insurance
    PMI · $44

  • Conventional, 20% down, no PMI $675a month

    Down payment
    $18,500
    Cash to close
    $21,275
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $760a month

    Down payment
    $13,875
    Cash to close
    $16,650
    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 Plymouth and for Luzerne County.

Property tax

Effective rate in Plymouth

1.75%of the home’s value each year

$1,616 a year for the typical owner in Plymouth.

  • Plymouth 1.75%
  • Luzerne 1.45%
  • Pennsylvania 1.3%

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

Exemptions and deadlines in Pennsylvania

Flood risk in Luzerne County

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

Homes in the high-risk zone
2.3%
2,670
Of those, with NFIP insurance
53%
County Pennsylvania U.S.
Homes in the high-risk zone 2.3% 2% 3.5%
Of those, with NFIP insurance 53% 23% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Plymouth

Typical rent in Plymouth is $930 a month: 7% below the county. In Plymouth, 54% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Luzerne 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.

HUD fair market rent for all of Luzerne 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 $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 Plymouth

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Plymouth is in ZIP code 18651.

For 2 bedrooms it is $1,260: $103 less than the fair market rent for Luzerne County ($1,363).

  • 18651 $1,260$1,650

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

HUD lists one building with rents for lower incomes in Plymouth.

  • ST Vincent Apts 123 Church St, Plymouth 18651 19 low-income homes · 1 bd: 6 · 2 bd: 6 · 3 bd: 7 · In service since 2006 · For families

See all 52 buildings in Luzerne County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Plymouth

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 Luzerne County; 2 say they serve in Spanish.

An older woman smiles in front of her apartment building.

HUD counseling is free or low-cost

Assistance programs in Plymouth

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

Which programs do I qualify for? All programs in Pennsylvania

Housing counselors near Plymouth

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

  • Commission on Economic Opportunity of Luzerne County

    165 Amber Ln, Wilkes Barre · 4 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 2 more
    (570) 826-0510

  • Housing Development Corporation of Northeast

    163 Amber Ln, Wilkes Barre · 4 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and credit workshops
    • and 5 more
    (570) 824-4803

  • Neighborworks Northeastern Pa/NHS of Lackawanna County

    815 Smith St, Scranton · 18 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (570) 558-2490

Every agency in Luzerne County All counseling agencies in Pennsylvania

Help in Spanish near Plymouth

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 Plymouth

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

  • Housing Authority of the County of Luzerne Public housing and Section 8 vouchers (570) 287-9661

4 other authorities have an office in Luzerne County: see the list Source: HUD

Cities

Other cities in Luzerne County

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

Everything about Luzerne County Housing in Pennsylvania

Nearby cities

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

Neighboring counties

If Luzerne 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 Plymouth.

All guides
A father and mother walk their son by the hand down the sidewalk.

Questions

Housing questions about Plymouth

Short answers with the numbers for Plymouth and all of Luzerne 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 Plymouth?

The typical home value in Plymouth is $92,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Luzerne County it is $174,100.

How much does it cost to rent in Plymouth?

Typical rent in Plymouth is $930 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Luzerne County is $1,363.

What is the FHA loan limit in Plymouth?

Plymouth uses the FHA limit for all of Luzerne 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 Plymouth?

The typical homeowner in Plymouth pays $1,616 a year, according to the U.S. Census Bureau. That is 1.75% of the home’s value; in Luzerne County, the rate is 1.45%.

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

There are 2 HUD-approved counseling agencies with an office in Luzerne County. 2 say they serve 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).