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City · 10,639 residents · Montgomery County, Pennsylvania

Roslyn , Pennsylvania

In Roslyn, a typical home is worth $328,800. Compared with all of Montgomery County, the typical home value is 25% lower, typical household income is 13% lower, and the share of households that own their home is 12 points higher.

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  • Typical home value

    $328,800

    25% below the county

    29% above Pennsylvania

    • Roslyn
    • Montgomery
    • Pennsylvania

  • Typical household income

    $99,318a year

    13% below the county

    27% above Pennsylvania

    • Roslyn
    • Montgomery
    • Pennsylvania

  • Households that own their home

    83%

    12 points above the county

    14 points above Pennsylvania

    • Roslyn
    • Montgomery
    • Pennsylvania

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

Roslyn is in Montgomery 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 Montgomery County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Roslyn apart

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

  1. The typical home in Roslyn is worth $328,800, 25% less than in Montgomery County as a whole ($436,700).

  2. 83% of households in Roslyn own their home, against 71% in Montgomery County.

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

The homes here

Housing in Roslyn

What homes there are in Roslyn, 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

Detached houses, standing on their own, make up 69% of homes here, against 53% in Montgomery County.

Year built

In Roslyn, half of the homes were built before 1957; in Montgomery County, before 1971.

Homes in Roslyn are bigger: 79% have 3 bedrooms or more; in Montgomery County, 67%.

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

$2,039 a month

Montgomery County: $2,441 a month

Without a mortgage

$735 a month

Montgomery County: $936 a month

Owners with a mortgage

72%

Montgomery County: 66%

Owning costs less in Roslyn: with a mortgage, the typical cost is $2,039 a month; in Montgomery County, $2,441. Without one, $735.

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

Roslyn does not have the same boundaries as in 2015–2019: that is why there is no change to compare. For reference, in Montgomery County the typical home value rose 38%.

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

MeasureRoslynMontgomery CountyPennsylvaniaUnited States
Rental vacancy Unreliable estimate5.5%4.9%5.5%
Homeowner vacancy Unreliable estimate0.8%0.8%0.9%
More than one person per room Unreliable estimate1.8%1.6%3.4%
People per household 2.962.522.392.53
Drive alone 66%64%68%69%
Carpool Unreliable estimate6%8%9%
Public transit 6%3%4%3%
Walk or bike Unreliable estimate2%4%3%
Work from home 20%23%16%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

More people live in each home here: 2.96 on average, against 2.52 in Montgomery County.

To get to work, 66% of workers in Roslyn drive alone; in Montgomery County, 64%.

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 Roslyn?

A typical home is tight for the typical income

We start with a typical home in Roslyn, worth $328,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 35% of the typical household income in Roslyn, which is $99,318 a year. For that payment to be 28% of income, a household would need to earn about $122,745 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Roslyn. 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 $11,508 (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

$2,864

at 7.18% · 30 years

Loan amount
$322,845
Total interest
$464,498
Paid off in
November 2056

Includes $5,553 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,317 a month

  • Tight

    $2,317 to $2,980 a month

    Your payment · 35%

  • Hard

    more than $2,980 a month

Compared with the typical household income in Roslyn ($99,318 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,864
Principal & interest$2,187
Property tax$395
Home insurance$137
FHA mortgage insurance (MIP)$145

You need at least $11,508 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

Roslyn and Montgomery County

Roslyn is in Montgomery 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).

Roslyn's own numbers

Typical home value
$328,800
Typical yearly household income
$99,318
Households that own their home
83%
Effective property tax rate
1.44%

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

Numbers for all of Montgomery 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
0.9%

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 Montgomery County.

Everything about Montgomery County

Buying

Buying a home in Roslyn

A typical home in Roslyn is worth $328,800: 25% below the county and 29% above Pennsylvania. With the typical household income in Roslyn ($99,318 a year), a typical home costs 3.3 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.

  • Roslyn 3.3 years
  • Montgomery 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 Montgomery County

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

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

Period County Pennsylvania U.S.
Last year (2025) +4.6% +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

Roslyn next to Montgomery 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
  • Roslyn $328,800
  • Montgomery $436,700
  • Pennsylvania $254,500
  • United States $332,700
Typical yearly household income
  • Roslyn $99,318
  • Montgomery $113,915
  • Pennsylvania $77,971
  • United States $80,734
See the full table
Roslyn next to Montgomery County and Pennsylvania
Measure Roslyn Montgomery County Pennsylvania U.S.
Typical home value $328,800 $436,700 $254,500 $332,700
Typical yearly household income $99,318 $113,915 $77,971 $80,734
Households that own their home 83% 71% 69% 65%
Typical yearly property tax $4,731 $5,875 $3,311 $3,119
Effective property tax rate 1.44% 1.35% 1.3% 0.94%

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

For a typical $328,800 home in Roslyn, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Roslyn's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,864a month

    Least cash to close
    Down payment
    $11,508
    Cash to close
    $21,372
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $145

  • Conventional, 5% down $2,804a month

    Down payment
    $16,440
    Cash to close
    $26,304
    Rate
    7.18%
    Mortgage insurance
    PMI · $156

  • Conventional, 20% down, no PMI $2,313a month

    Down payment
    $65,760
    Cash to close
    $75,624
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,617a month

    Down payment
    $49,320
    Cash to close
    $59,184
    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 Roslyn and for Montgomery County.

Property tax

Effective rate in Roslyn

1.44%of the home’s value each year

$4,731 a year for the typical owner in Roslyn.

  • Roslyn 1.44%
  • Montgomery 1.35%
  • Pennsylvania 1.3%

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

Exemptions and deadlines in Pennsylvania

Flood risk in Montgomery County

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

Homes in the high-risk zone
0.9%
2,407
Of those, with NFIP insurance
47%
County Pennsylvania U.S.
Homes in the high-risk zone 0.9% 2% 3.5%
Of those, with NFIP insurance 47% 23% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Roslyn

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

HUD publishes a fair market rent for all of Montgomery 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 Montgomery 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 Roslyn

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Roslyn is in ZIP code 19001.

For 2 bedrooms it is $1,740: $120 less than the fair market rent for Montgomery County ($1,860).

  • 19001 $1,740$2,070

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

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 Montgomery County; 1 says it serves in Spanish.

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

HUD counseling is free or low-cost

Assistance programs in Roslyn

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

Which programs do I qualify for? All programs in Pennsylvania

Housing counselors near Roslyn

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

  • CCCS of Delaware Valley, Inc. DBA Clarifi

    101 Greenwood Avenue, Jenkintown · 3 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 2 more
    (800) 989-2227

  • West Oak Lane Community Development

    1624 E Wadsworth Ave, Philadelphia · 4 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 2 more
    (215) 224-8339

  • Northwest Counseling Service

    6521 N Broad St, Philadelphia · 5 miles away

    Also serves in Hindi.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (215) 324-7500

Every agency in Montgomery County All counseling agencies in Pennsylvania

Help in Spanish near Roslyn

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 Roslyn

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

  • Montgomery County Housing Authority Public housing and Section 8 vouchers (610) 275-5720

All housing agencies in Pennsylvania Source: HUD

Cities

Other cities in Montgomery County

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

Everything about Montgomery County Housing in Pennsylvania
See 20 more cities in Montgomery County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

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

Neighboring counties

If Montgomery 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 Roslyn.

All guides
A father smiles as he carries his baby on his shoulders outdoors.

Questions

Housing questions about Roslyn

Short answers with the numbers for Roslyn and all of Montgomery 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 Roslyn?

The typical home value in Roslyn is $328,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Montgomery County it is $436,700.

What is the FHA loan limit in Roslyn?

Roslyn uses the FHA limit for all of Montgomery 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 Roslyn?

The typical homeowner in Roslyn pays $4,731 a year, according to the U.S. Census Bureau. That is 1.44% of the home’s value; in Montgomery County, the rate is 1.35%.

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

There are 2 HUD-approved counseling agencies with an office in Montgomery 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).