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City · 6,963 residents · Bucks County, Pennsylvania

Richboro , Pennsylvania

In Richboro, a typical home is worth $559,700. Compared with all of Bucks County, typical household income is 39% higher, the typical home value is 26% higher, and the share of households that own their home is 20 points higher.

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  • Typical home value

    $559,700

    26% above the county

    120% above Pennsylvania

    • Richboro
    • Bucks
    • Pennsylvania

  • Typical household income

    $159,007a year

    39% above the county

    104% above Pennsylvania

    • Richboro
    • Bucks
    • Pennsylvania

  • Households that own their home

    98%

    20 points above the county

    29 points above Pennsylvania

    • Richboro
    • Bucks
    • Pennsylvania

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

Market now, with Zillow data

Zillow data
Typical home value
$712,138
4.2% more than 12 months ago

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

Richboro is in Bucks 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 Bucks County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Richboro apart

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

  1. Richboro has the 2nd highest homeownership rate of the 273 cities in Pennsylvania with more than 5,000 people (98%).

  2. Richboro has the 11th highest typical household income of the 272 cities in Pennsylvania with more than 5,000 people ($159,007).

  3. Nearby, in Hatboro, the typical home value is $351,000: 37% less than in Richboro ($559,700).

  4. Richboro has the 13th highest typical home value of the 273 cities in Pennsylvania with more than 5,000 people ($559,700).

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

The homes here

Housing in Richboro

What homes there are in Richboro, 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 Richboro, 9 in 10 homes are single-family detached houses; in Bucks County, 6.

Year built

By age, homes in Richboro look like those in Bucks County: the typical year built is 1976.

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

$2,896 a month

Bucks County: $2,436 a month

Without a mortgage

$1,093 a month

Bucks County: $938 a month

Owners with a mortgage

67%

Bucks County: 64%

Owning costs more in Richboro: with a mortgage, the typical cost is $2,896 a month; in Bucks County, $2,436. Without one, $1,093.

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 Richboro gained value more slowly than in Bucks County: 31% since 2015–2019, against 35%.

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

MeasureRichboroBucks CountyPennsylvaniaUnited States
Rental vacancy Unreliable estimate3.1%4.9%5.5%
Homeowner vacancy Unreliable estimate0.4%0.8%0.9%
More than one person per room Unreliable estimate1.6%1.6%3.4%
People per household 2.682.562.392.53
Drive alone 78%70%68%69%
Carpool Unreliable estimate6%8%9%
Public transit Unreliable estimate2%4%3%
Walk or bike Unreliable estimate1%4%3%
Work from home 18%20%16%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

By size, households in Richboro look like those in Bucks County: 2.68 people on average.

To get to work, 78% of workers in Richboro drive alone; in Bucks County, 70%.

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 Richboro?

A typical home costs more than the typical income allows

We start with a typical home in Richboro, worth $559,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 36% of the typical household income in Richboro, which is $159,007 a year. For that payment to be 28% of income, a household would need to earn about $205,544 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Richboro. 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 $19,590 (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

$4,796

at 7.18% · 30 years

Loan amount
$549,562
Total interest
$790,691
Paid off in
November 2056

Includes $9,452 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,710 a month

  • Tight

    $3,710 to $4,770 a month

  • Hard

    more than $4,770 a month

    Your payment · 36%

Compared with the typical household income in Richboro ($159,007 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,796
Principal & interest$3,723
Property tax$592
Home insurance$233
FHA mortgage insurance (MIP)$248

You need at least $19,590 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

Richboro and Bucks County

Richboro is in Bucks 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).

Richboro's own numbers

Typical home value
$559,700
Typical yearly household income
$159,007
Households that own their home
98%
Effective property tax rate
1.27%

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

Numbers for all of Bucks 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)
+51%
Homes in a high flood-risk zone
1.6%

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 Bucks County.

Everything about Bucks County

Buying

Buying a home in Richboro

A typical home in Richboro is worth $559,700: 26% above the county and 120% above Pennsylvania. With the typical household income in Richboro ($159,007 a year), a typical home costs 3.5 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.

  • Richboro 3.5 years
  • Bucks 3.9 years
  • Pennsylvania 3.3 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Bucks County

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

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

Period County Pennsylvania U.S.
Last year (2025) +5.0% +4.7% +2.9%
5 years (2020–2025) +51% +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

Richboro next to Bucks 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
  • Richboro $559,700
  • Bucks $445,700
  • Pennsylvania $254,500
  • United States $332,700
Typical yearly household income
  • Richboro $159,007
  • Bucks $114,764
  • Pennsylvania $77,971
  • United States $80,734
See the full table
Richboro next to Bucks County and Pennsylvania
Measure Richboro Bucks County Pennsylvania U.S.
Typical home value $559,700 $445,700 $254,500 $332,700
Typical yearly household income $159,007 $114,764 $77,971 $80,734
Households that own their home 98% 78% 69% 65%
Typical yearly property tax $7,099 $5,826 $3,311 $3,119
Effective property tax rate 1.27% 1.31% 1.3% 0.94%

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

For a typical $559,700 home in Richboro, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Richboro's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,796a month

    Least cash to close
    Down payment
    $19,590
    Cash to close
    $36,381
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $248

  • Conventional, 5% down $4,693a month

    Down payment
    $27,985
    Cash to close
    $44,776
    Rate
    7.18%
    Mortgage insurance
    PMI · $266

  • Conventional, 20% down, no PMI $3,859a month

    Down payment
    $111,940
    Cash to close
    $128,731
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,376a month

    Down payment
    $83,955
    Cash to close
    $100,746
    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 Richboro and for Bucks County.

Property tax

Effective rate in Richboro

1.27%of the home’s value each year

$7,099 a year for the typical owner in Richboro.

  • Richboro 1.27%
  • Bucks 1.31%
  • Pennsylvania 1.3%

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

Exemptions and deadlines in Pennsylvania

Flood risk in Bucks County

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

Homes in the high-risk zone
1.6%
3,468
Of those, with NFIP insurance
49%
County Pennsylvania U.S.
Homes in the high-risk zone 1.6% 2% 3.5%
Of those, with NFIP insurance 49% 23% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Richboro

The Census Bureau publishes no typical rent for Richboro. Below are the fair market rents for Bucks County.

HUD publishes a fair market rent for all of Bucks 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 Bucks 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 Richboro

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Richboro is in ZIP code 18954.

For 2 bedrooms it is $2,430: $570 more than the fair market rent for Bucks County ($1,860).

  • 18954 $2,430$2,890

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

Free help

Help to buy or rent in Richboro

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 3 HUD-approved agencies with an office in Bucks County; 2 say they serve in Spanish.

A man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Richboro

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

Which programs do I qualify for? All programs in Pennsylvania

Housing counselors near Richboro

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

  • Credit Counseling Center DBA myWaypoint

    832 Second Street Pike, Richboro · 1 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 11 more
    (215) 348-8003

  • Bucks County Housing Group

    626 Jacksonville Rd, Warminster · 3 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (215) 394-8259

  • Credit Counseling Center DBA myWaypoint

    208 Levittown Pkwy, Levittown · 11 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (215) 348-8003

Every agency in Bucks County All counseling agencies in Pennsylvania

Help in Spanish near Richboro

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 Richboro

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

  • Bucks County Housing Authority Public housing and Section 8 vouchers (215) 348-9469

All housing agencies in Pennsylvania Source: HUD

Cities

Other cities in Bucks County

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

Everything about Bucks County Housing in Pennsylvania

Nearby cities

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

Neighboring counties

If Bucks 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 Richboro.

All guides
A couple spread mulch under the avocado trees of their family orchard, he on the tractor and she with a shovel.

Questions

Housing questions about Richboro

Short answers with the numbers for Richboro and all of Bucks 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 Richboro?

The typical home value in Richboro is $559,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Bucks County it is $445,700.

What is the FHA loan limit in Richboro?

Richboro uses the FHA limit for all of Bucks 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 Richboro?

The typical homeowner in Richboro pays $7,099 a year, according to the U.S. Census Bureau. That is 1.27% of the home’s value; in Bucks County, the rate is 1.31%.

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

There are 3 HUD-approved counseling agencies with an office in Bucks 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).