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City · 13,364 residents · Schuylkill County, Pennsylvania

Pottsville , Pennsylvania

In Pottsville, a typical home is worth $100,500 and typical rent is $822 a month. Compared with all of Schuylkill County, the typical home value is 34% lower, typical household income is 20% lower, and the share of households that own their home is 19 points lower.

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  • Typical home value

    $100,500

    34% below the county

    61% below Pennsylvania

    • Pottsville
    • Schuylkill
    • Pennsylvania

  • Typical rent

    $822a month

    6% below the county

    32% below Pennsylvania

    • Pottsville
    • Schuylkill
    • Pennsylvania

  • Typical household income

    $54,332a year

    20% below the county

    30% below Pennsylvania

    • Pottsville
    • Schuylkill
    • Pennsylvania

  • Households that own their home

    57%

    19 points below the county

    12 points below Pennsylvania

    • Pottsville
    • Schuylkill
    • Pennsylvania

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

Market now, with Zillow data

Zillow data
Typical home value
$161,854
3.3% more than 12 months ago
Typical rent
$1,242 a month
4.6% more than 12 months ago

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

Pottsville is in Schuylkill 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 Schuylkill County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Pottsville apart

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

  1. Nearby, in Shamokin, the typical home value is $60,400: 40% less than in Pottsville ($100,500).

  2. 57% of households in Pottsville own their home, against 76% in Schuylkill County.

  3. The typical home in Pottsville is worth $100,500, 34% less than in Schuylkill County as a whole ($153,000).

  4. The typical household income in Pottsville is $54,332, 20% less than in Schuylkill County as a whole ($68,313).

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

The homes here

Housing in Pottsville

What homes there are in Pottsville, 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

In Pottsville there is a bit of everything: no kind of home reaches half. The most common are attached houses (townhouses) (37%), more than in Schuylkill County (26%).

Year built

Old homes abound here: at least half date from before 1940, and 74% were built before 1960.

In Pottsville, 67% of homes have 3 bedrooms or more, about the same as in Schuylkill County.

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

With an FHA limit of $541,287, at least 99% of owner-occupied homes in Pottsville sit below it: they are worth less than $500,000.

Monthly rent with utilities

By rent, most homes in Pottsville cost less than HUD's 2-bedroom fair market rent ($1,068): about 74%.

With a mortgage

$1,124 a month

Schuylkill County: $1,361 a month

Without a mortgage

$542 a month

Schuylkill County: $566 a month

Owners with a mortgage

49%

Schuylkill County: 48%

In Pottsville, 49% of owners have a mortgage, and their typical cost is $1,124 a month, against $1,361 in Schuylkill County. Without one it drops to $542.

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 Pottsville rose 41%; in Schuylkill County, it rose 50%.

Much as in Schuylkill County, the typical rent in Pottsville rose 25% since 2015–2019.

The typical household income in Pottsville rose 29% over that time; home values changed +41% and rent +25%.

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

MeasurePottsvilleSchuylkill CountyPennsylvaniaUnited States
Rental vacancy Unreliable estimate4.7%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 2.112.352.392.53
Drive alone 71%78%68%69%
Carpool 10%10%8%9%
Public transit Unreliable estimate0%4%3%
Walk or bike Unreliable estimate3%4%3%
Work from home 9%7%16%15%
Other means Unreliable estimate1%1%2%
Typical commute 10 to 19 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 2.11 on average, against 2.35 in Schuylkill County.

To get to work, 71% of workers in Pottsville drive alone; in Schuylkill County, 78%.

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 Pottsville?

A typical home is within reach of the typical income

We start with a typical home in Pottsville, worth $100,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 20% of the typical household income in Pottsville, which is $54,332 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Pottsville. 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 $3,518 (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

$925

at 7.18% · 30 years

Loan amount
$98,679
Total interest
$141,976
Paid off in
November 2056

Includes $1,697 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,268 a month

    Your payment · 20%

  • Tight

    $1,268 to $1,630 a month

  • Hard

    more than $1,630 a month

Compared with the typical household income in Pottsville ($54,332 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$925
Principal & interest$668
Property tax$170
Home insurance$42
FHA mortgage insurance (MIP)$44

You need at least $3,518 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

Pottsville and Schuylkill County

Pottsville is in Schuylkill 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).

Pottsville's own numbers

Typical home value
$100,500
Typical monthly rent
$822
Typical yearly household income
$54,332
Households that own their home
57%
Effective property tax rate
2.03%

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

Numbers for all of Schuylkill County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,068
Price change over 5 years (FHFA)
+64%
Homes in a high flood-risk zone
5.2%

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 Schuylkill County.

Everything about Schuylkill County

Buying

Buying a home in Pottsville

A typical home in Pottsville is worth $100,500: 34% below the county and 61% below Pennsylvania. With the typical household income in Pottsville ($54,332 a year), a typical home costs 1.8 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.

  • Pottsville 1.8 years
  • Schuylkill 2.2 years
  • Pennsylvania 3.3 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Schuylkill County

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

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

Period County Pennsylvania U.S.
Last year (2025) +5.8% +4.7% +2.9%
5 years (2020–2025) +64% +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

Pottsville next to Schuylkill 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
  • Pottsville $100,500
  • Schuylkill $153,000
  • Pennsylvania $254,500
  • United States $332,700
Typical monthly rent
  • Pottsville $822
  • Schuylkill $876
  • Pennsylvania $1,209
  • United States $1,413
Typical yearly household income
  • Pottsville $54,332
  • Schuylkill $68,313
  • Pennsylvania $77,971
  • United States $80,734
See the full table
Pottsville next to Schuylkill County and Pennsylvania
Measure Pottsville Schuylkill County Pennsylvania U.S.
Typical home value $100,500 $153,000 $254,500 $332,700
Typical monthly rent $822 $876 $1,209 $1,413
Typical yearly household income $54,332 $68,313 $77,971 $80,734
Households that own their home 57% 76% 69% 65%
Typical yearly property tax $2,036 $2,140 $3,311 $3,119
Effective property tax rate 2.03% 1.4% 1.3% 0.94%
Renters with high rent for their income 56% 42% 48% 51%

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

For a typical $100,500 home in Pottsville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Pottsville's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $925a month

    Least cash to close
    Down payment
    $3,518
    Cash to close
    $6,533
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $44

  • Conventional, 5% down $906a month

    Down payment
    $5,025
    Cash to close
    $8,040
    Rate
    7.18%
    Mortgage insurance
    PMI · $48

  • Conventional, 20% down, no PMI $757a month

    Down payment
    $20,100
    Cash to close
    $23,115
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $849a month

    Down payment
    $15,075
    Cash to close
    $18,090
    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 Pottsville and for Schuylkill County.

Property tax

Effective rate in Pottsville

2.03%of the home’s value each year

$2,036 a year for the typical owner in Pottsville.

  • Pottsville 2.03%
  • Schuylkill 1.4%
  • Pennsylvania 1.3%

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

Exemptions and deadlines in Pennsylvania

Flood risk in Schuylkill County

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

Homes in the high-risk zone
5.2%
3,131
Of those, with NFIP insurance
17%
County Pennsylvania U.S.
Homes in the high-risk zone 5.2% 2% 3.5%
Of those, with NFIP insurance 17% 23% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Pottsville

Typical rent in Pottsville is $822 a month: 6% below the county. In Pottsville, 56% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Schuylkill County, by unit size. To pay the 2-bedroom one ($1,068 a month) without spending more than 30% of your income, you would need to earn $20.54 an hour working full time.

HUD fair market rent for all of Schuylkill 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 $744 $14.31 $29,760
1 bedroom $816 $15.69 $32,640
2 bedrooms $1,068 $20.54 $42,720
3 bedrooms $1,392 $26.77 $55,680
4 bedrooms $1,443 $27.75 $57,720

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 Pottsville

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Pottsville is in ZIP code 17901.

For 2 bedrooms it is $1,060: $8 less than the fair market rent for Schuylkill County ($1,068).

  • 17901 $1,060$1,380

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

HUD lists 10 buildings with rents for lower incomes in Pottsville. These are the largest.

  • Laurel Terrace 101 N 12th St, Pottsville 17901 168 homes, 167 low-income · Run by Housing Authority of the City of Pottsville · Average payment: $331 a month · Average wait: 10 months (570) 628-2702
  • John OHara 800-01 N 2nd St, Pottsville 17901 139 low-income homes · Run by Housing Authority of the City of Pottsville · Average payment: $414 a month · Average wait: 13 months (570) 628-2702
  • Laurel Court Apts 400 W Laurel Blvd, Pottsville 17901 132 homes, 121 low-income · Run by Housing Authority of the City of Pottsville · Average payment: $379 a month · Average wait: 4 months (570) 628-2702
  • Market Square 207 N. 12th st, Pottsville 17901 120 homes, 119 low-income · For families (570) 622-0349
  • Fairmount 1100 W Arch St, Pottsville 17901 82 low-income homes · Run by Housing Authority of the City of Pottsville · Average payment: $422 a month · Average wait: 2 months (570) 628-2702

See all 27 buildings in Schuylkill County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Pottsville

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 Schuylkill County; 1 says it serves in Spanish.

An older woman smiles in front of her apartment building.

HUD counseling is free or low-cost

Assistance programs in Pottsville

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

Which programs do I qualify for? All programs in Pennsylvania

Housing counselors near Pottsville

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

  • Schuylkill Community Action

    225 N Centre St, Pottsville · 1 miles away · Spanish

    • Mortgage delinquency and default
    • Home improvement and repairs
    • and 5 more
    (570) 622-1995

  • Neighborhood Housing Services of Greater Berks, Inc.

    210 N 5th St, Reading · 28 miles away · Spanish

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

  • Berks Community Action Program, Inc.

    645 Penn St, Reading · 28 miles away · Spanish

    • Mortgage delinquency and default
    • Homelessness services
    • and 1 more
    (610) 375-7866

Every agency in Schuylkill County All counseling agencies in Pennsylvania

Help in Spanish near Pottsville

3 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 Pottsville

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

  • Housing Authority of the City of Pottsville Public housing and Section 8 vouchers (570) 628-2702
  • Schuylkill County Housing Authority Public housing and Section 8 vouchers (570) 385-3400

All housing agencies in Pennsylvania Source: HUD

Cities

Other cities in Schuylkill County

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

Everything about Schuylkill County Housing in Pennsylvania

Nearby cities

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

Neighboring counties

If Schuylkill 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 Pottsville.

All guides
A mother holds hands with her two daughters on the beach at sunset.

Questions

Housing questions about Pottsville

Short answers with the numbers for Pottsville and all of Schuylkill 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 Pottsville?

The typical home value in Pottsville is $100,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Schuylkill County it is $153,000.

How much does it cost to rent in Pottsville?

Typical rent in Pottsville is $822 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Schuylkill County is $1,068.

What is the FHA loan limit in Pottsville?

Pottsville uses the FHA limit for all of Schuylkill 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 Pottsville?

The typical homeowner in Pottsville pays $2,036 a year, according to the U.S. Census Bureau. That is 2.03% of the home’s value; in Schuylkill County, the rate is 1.4%.

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

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