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City · 5,665 residents · Jefferson County, Pennsylvania

Punxsutawney , Pennsylvania

In Punxsutawney, a typical home is worth $99,000 and typical rent is $775 a month. Compared with all of Jefferson County, the typical home value is 29% lower, typical household income is 28% lower, and the share of households that own their home is 23 points lower.

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  • Typical home value

    $99,000

    29% below the county

    61% below Pennsylvania

    • Punxsutawney
    • Jefferson
    • Pennsylvania

  • Typical rent

    $775a month

    3% above the county

    36% below Pennsylvania

    • Punxsutawney
    • Jefferson
    • Pennsylvania

  • Typical household income

    $42,183a year

    28% below the county

    46% below Pennsylvania

    • Punxsutawney
    • Jefferson
    • Pennsylvania

  • Households that own their home

    52%

    23 points below the county

    17 points below Pennsylvania

    • Punxsutawney
    • Jefferson
    • Pennsylvania

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

Market now, with Zillow data

Zillow data
Typical home value
$124,211
0.6% less than 12 months ago

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

Punxsutawney is in Jefferson 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 Jefferson County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Punxsutawney apart

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

  1. 52% of households in Punxsutawney own their home, against 75% in Jefferson County.

  2. Punxsutawney has the 14th lowest typical household income of the 272 cities in Pennsylvania with more than 5,000 people ($42,183).

  3. The typical home in Punxsutawney is worth $99,000, 29% less than in Jefferson County as a whole ($139,700).

  4. Punxsutawney has the 24th lowest typical rent of the 265 cities in Pennsylvania with more than 5,000 people ($775).

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

The homes here

Housing in Punxsutawney

What homes there are in Punxsutawney, 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

The detached house is still the most common home in Punxsutawney, but it weighs less than in Jefferson County: 66% against 78%.

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

HUD's 2-bedroom fair market rent (FMR) for Jefferson County is $1,014; about 75% of rents in Punxsutawney are below it.

With a mortgage

$1,039 a month

Jefferson County: $1,119 a month

Without a mortgage

$468 a month

Jefferson County: $457 a month

Owners with a mortgage

40%

Jefferson County: 44%

In Punxsutawney, 40% of owners have a mortgage, and their typical cost is $1,039 a month, against $1,119 in Jefferson County. Without one it drops to $468.

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

Since 2015–2019, home values in Punxsutawney moved so little that the Census cannot say whether they rose or fell.

Since 2015–2019, the typical rent in Punxsutawney rose 23%, more than in Jefferson County (12%).

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

MeasurePunxsutawneyJefferson CountyPennsylvaniaUnited States
Rental vacancy Unreliable estimateUnreliable estimate4.9%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.8%0.9%
More than one person per room Unreliable estimate1.7%1.6%3.4%
People per household 2.042.352.392.53
Drive alone 84%81%68%69%
Carpool Unreliable estimate8%8%9%
Public transit Unreliable estimateUnreliable estimate4%3%
Walk or bike 7%3%4%3%
Work from home Unreliable estimate6%16%15%
Other means Unreliable estimate2%1%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

On average, a household in Punxsutawney has 2.04 people, fewer than in Jefferson County (2.35).

In Punxsutawney, 7% of workers walk or bike to work; in Jefferson County, 3%.

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 Punxsutawney?

A typical home is within reach of the typical income

We start with a typical home in Punxsutawney, worth $99,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 24% of the typical household income in Punxsutawney, which is $42,183 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Punxsutawney. 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 $3,465 (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

$834

at 7.18% · 30 years

Loan amount
$97,207
Total interest
$139,858
Paid off in
November 2056

Includes $1,672 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $984 a month

    Your payment · 24%

  • Tight

    $984 to $1,265 a month

  • Hard

    more than $1,265 a month

Compared with the typical household income in Punxsutawney ($42,183 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$834
Principal & interest$659
Property tax$91
Home insurance$41
FHA mortgage insurance (MIP)$44

You need at least $3,465 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

Punxsutawney and Jefferson County

Punxsutawney is in Jefferson 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).

Punxsutawney's own numbers

Typical home value
$99,000
Typical monthly rent
$775
Typical yearly household income
$42,183
Households that own their home
52%
Effective property tax rate
1.1%

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

Numbers for all of Jefferson County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,014
Price change over 5 years (FHFA)
+40%
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 Jefferson County.

Everything about Jefferson County

Buying

Buying a home in Punxsutawney

A typical home in Punxsutawney is worth $99,000: 29% below the county and 61% below Pennsylvania. With the typical household income in Punxsutawney ($42,183 a year), a typical home costs 2.3 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.

  • Punxsutawney 2.3 years
  • Jefferson 2.4 years
  • Pennsylvania 3.3 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Jefferson County

According to FHFA’s house price index, home prices in Jefferson County rose 58% in the 10 years through 2025.

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

Period County Pennsylvania U.S.
Last year (2025) +2.5% +4.7% +2.9%
5 years (2020–2025) +40% +48% +47%
10 years (2015–2025) +58% +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

Punxsutawney next to Jefferson 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
  • Punxsutawney $99,000
  • Jefferson $139,700
  • Pennsylvania $254,500
  • United States $332,700
Typical monthly rent
  • Punxsutawney $775
  • Jefferson $750
  • Pennsylvania $1,209
  • United States $1,413
Typical yearly household income
  • Punxsutawney $42,183
  • Jefferson $58,686
  • Pennsylvania $77,971
  • United States $80,734
See the full table
Punxsutawney next to Jefferson County and Pennsylvania
Measure Punxsutawney Jefferson County Pennsylvania U.S.
Typical home value $99,000 $139,700 $254,500 $332,700
Typical monthly rent $775 $750 $1,209 $1,413
Typical yearly household income $42,183 $58,686 $77,971 $80,734
Households that own their home 52% 75% 69% 65%
Typical yearly property tax $1,093 $1,402 $3,311 $3,119
Effective property tax rate 1.1% 1% 1.3% 0.94%
Renters with high rent for their income 49% 44% 48% 51%

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

For a typical $99,000 home in Punxsutawney, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Punxsutawney's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $834a month

    Least cash to close
    Down payment
    $3,465
    Cash to close
    $6,435
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $44

  • Conventional, 5% down $816a month

    Down payment
    $4,950
    Cash to close
    $7,920
    Rate
    7.18%
    Mortgage insurance
    PMI · $47

  • Conventional, 20% down, no PMI $669a month

    Down payment
    $19,800
    Cash to close
    $22,770
    Rate
    7.18%
    Mortgage insurance
    None

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

    Down payment
    $14,850
    Cash to close
    $17,820
    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 Punxsutawney and for Jefferson County.

Property tax

Effective rate in Punxsutawney

1.1%of the home’s value each year

$1,093 a year for the typical owner in Punxsutawney.

  • Punxsutawney 1.1%
  • Jefferson 1%
  • Pennsylvania 1.3%

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

Exemptions and deadlines in Pennsylvania

Flood risk in Jefferson County

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

Homes in the high-risk zone
3.6%
928
Of those, with NFIP insurance
9.6%
County Pennsylvania U.S.
Homes in the high-risk zone 3.6% 2% 3.5%
Of those, with NFIP insurance 9.6% 23% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Punxsutawney

Typical rent in Punxsutawney is $775 a month: 3% above the county. In Punxsutawney, 49% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Jefferson County, by unit size. To pay the 2-bedroom one ($1,014 a month) without spending more than 30% of your income, you would need to earn $19.50 an hour working full time.

HUD fair market rent for all of Jefferson 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 $706 $13.58 $28,240
1 bedroom $807 $15.52 $32,280
2 bedrooms $1,014 $19.50 $40,560
3 bedrooms $1,301 $25.02 $52,040
4 bedrooms $1,438 $27.65 $57,520

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 Punxsutawney

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Punxsutawney is in ZIP code 15767.

For 2 bedrooms it is $1,080: $66 more than the fair market rent for Jefferson County ($1,014).

  • 15767 $1,080$1,390

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

HUD lists 5 buildings with rents for lower incomes in Punxsutawney. These are the largest.

  • Jefferson Street Hi-Rise 201 N Jefferson St, Punxsutawney 15767 118 homes, 114 low-income · Run by Housing Authority of the County of Jefferson · Average payment: $333 a month · Average wait: 16 months (814) 938-7140
  • Mahoning Towers 300 E Mahoning St, Punxsutawney 15767 100 low-income homes · For older adults (814) 938-7033
  • Punxsutawney Sycamore Apts. 502 Sycamore St, Punxsutawney 15767 40 low-income homes · For families (814) 938-9482
  • Sycamore Apts. II 505 Sycamore St, Punxsutawney 15767 22 low-income homes · For families (814) 938-9482
  • Grace Place-Punxsutawney 105 N Gilpin St, Punxsutawney 15767 24 homes

See all 13 buildings in Jefferson County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Punxsutawney

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.

We found no HUD-approved agencies with an office in Jefferson County. The nearest ones are below; many serve by phone or online.

A man leans over the armchair where a girl is reading a book.

HUD counseling is free or low-cost

Assistance programs in Punxsutawney

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

Which programs do I qualify for? All programs in Pennsylvania

Housing counselors near Punxsutawney

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

  • Housing Authority of the County of Butler

    114 Woody Dr, Butler · 49 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 8 more
    (724) 287-6797

  • Neighborhood Housing Services, DBA NeighborWorks Western Pennsylvania

    10 Duff Rd Ste 402, Pittsburgh · 56 miles away

    • Mortgage delinquency and default
    • Pre-purchase counseling
    • and 3 more
    (412) 281-9773

  • Willissae's Agency for Vision and Empowerment (WAVE)

    7171 Churchland St, Pittsburgh · 58 miles away

    • Mortgage delinquency and default
    • Pre-purchase counseling
    • and 2 more
    (412) 573-9217

All counseling agencies in Pennsylvania

Help in Spanish near Punxsutawney

None 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 Punxsutawney

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

  • Housing Authority of the County of Jefferson Public housing and Section 8 vouchers (814) 938-7140

All housing agencies in Pennsylvania Source: HUD

Cities

Nearby cities

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

Everything about Jefferson County Housing in Pennsylvania

Neighboring counties

If Jefferson 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 Punxsutawney.

All guides
A father, a mother and their daughter smile among the avocado trees by their home in Somis, California.

Questions

Housing questions about Punxsutawney

Short answers with the numbers for Punxsutawney and all of Jefferson 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 Punxsutawney?

The typical home value in Punxsutawney is $99,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Jefferson County it is $139,700.

How much does it cost to rent in Punxsutawney?

Typical rent in Punxsutawney is $775 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Jefferson County is $1,014.

What is the FHA loan limit in Punxsutawney?

Punxsutawney uses the FHA limit for all of Jefferson 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 Punxsutawney?

The typical homeowner in Punxsutawney pays $1,093 a year, according to the U.S. Census Bureau. That is 1.1% of the home’s value; in Jefferson County, the rate is 1%.

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

We found no HUD-approved counseling agencies with an office in Jefferson County; the nearest ones are on this page. 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).