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City · 5,431 residents · Bradford County, Pennsylvania

Sayre , Pennsylvania

In Sayre, a typical home is worth $169,500 and typical rent is $968 a month. Compared with all of Bradford County, typical household income is 20% lower, the typical home value is 10% lower, and the share of households that own their home is 10 points lower.

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  • Typical home value

    $169,500

    10% below the county

    33% below Pennsylvania

    • Sayre
    • Bradford
    • Pennsylvania

  • Typical rent

    $968a month

    7% above the county

    20% below Pennsylvania

    • Sayre
    • Bradford
    • Pennsylvania

  • Typical household income

    $50,801a year

    20% below the county

    35% below Pennsylvania

    • Sayre
    • Bradford
    • Pennsylvania

  • Households that own their home

    63%

    10 points below the county

    7 points below Pennsylvania

    • Sayre
    • Bradford
    • Pennsylvania

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

Market now, with Zillow data

Zillow data
Typical home value
$188,603
3.6% more than 12 months ago

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

Sayre is in Bradford 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 Bradford County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Sayre apart

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

  1. Nearby, in Swoyersville, the typical rent is $744: 23% less than in Sayre ($968).

  2. The typical household income in Sayre is $50,801, 20% less than in Bradford County as a whole ($63,675).

  3. 63% of households in Sayre own their home, against 72% in Bradford County.

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

The homes here

Housing in Sayre

What homes there are in Sayre, 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 Sayre, but it weighs less than in Bradford County: 66% against 72%.

Year built

The typical home in Sayre was built before 1940, the oldest group the Census tells apart; 70% of homes date from before 1960.

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

$1,176 a month

Bradford County: $1,375 a month

Without a mortgage

$638 a month

Bradford County: $540 a month

Owners with a mortgage

55%

Bradford County: 46%

Owning costs less in Sayre: with a mortgage, the typical cost is $1,176 a month; in Bradford County, $1,375. Without one, $638.

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

The typical home value in Sayre rose 29% since 2015–2019, more than in Bradford County (25%).

The typical rent in Sayre rose 32% over the same time; in Bradford County, it rose 22%.

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

MeasureSayreBradford CountyPennsylvaniaUnited States
Rental vacancy Unreliable estimate2.6%4.9%5.5%
Homeowner vacancy Unreliable estimate0.7%0.8%0.9%
More than one person per room Unreliable estimate1.0%1.6%3.4%
People per household 1.972.402.392.53
Drive alone 73%79%68%69%
Carpool Unreliable estimate9%8%9%
Public transit Unreliable estimateUnreliable estimate4%3%
Walk or bike Unreliable estimate4%4%3%
Work from home Unreliable estimate7%16%15%
Other means Unreliable estimate1%1%2%
Typical commute 10 to 19 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Sayre has 1.97 people, fewer than in Bradford County (2.40).

To get to work, 73% of workers in Sayre drive alone; in Bradford County, 79%.

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 Sayre?

A typical home is tight for the typical income

We start with a typical home in Sayre, worth $169,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 34% of the typical household income in Sayre, which is $50,801 a year. For that payment to be 28% of income, a household would need to earn about $62,187 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Sayre. 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 $5,933 (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

$1,451

at 7.18% · 30 years

Loan amount
$166,429
Total interest
$239,453
Paid off in
November 2056

Includes $2,862 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,185 a month

  • Tight

    $1,185 to $1,524 a month

    Your payment · 34%

  • Hard

    more than $1,524 a month

Compared with the typical household income in Sayre ($50,801 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,451
Principal & interest$1,127
Property tax$178
Home insurance$71
FHA mortgage insurance (MIP)$75

You need at least $5,933 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

Sayre and Bradford County

Sayre is in Bradford 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).

Sayre's own numbers

Typical home value
$169,500
Typical monthly rent
$968
Typical yearly household income
$50,801
Households that own their home
63%
Effective property tax rate
1.26%

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

Numbers for all of Bradford County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,100
Price change over 5 years (FHFA)
+34%
Homes in a high flood-risk zone
5.3%

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 Bradford County.

Everything about Bradford County

Buying

Buying a home in Sayre

A typical home in Sayre is worth $169,500: 10% below the county and 33% below Pennsylvania. With the typical household income in Sayre ($50,801 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.

  • Sayre 3.3 years
  • Bradford 2.9 years
  • Pennsylvania 3.3 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Bradford County

According to FHFA’s house price index, home prices in Bradford County rose 46% in the 10 years through 2025.

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

Period County Pennsylvania U.S.
Last year (2025) +1.8% +4.7% +2.9%
5 years (2020–2025) +34% +48% +47%
10 years (2015–2025) +46% +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

Sayre next to Bradford 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
  • Sayre $169,500
  • Bradford $187,500
  • Pennsylvania $254,500
  • United States $332,700
Typical monthly rent
  • Sayre $968
  • Bradford $901
  • Pennsylvania $1,209
  • United States $1,413
Typical yearly household income
  • Sayre $50,801
  • Bradford $63,675
  • Pennsylvania $77,971
  • United States $80,734
See the full table
Sayre next to Bradford County and Pennsylvania
Measure Sayre Bradford County Pennsylvania U.S.
Typical home value $169,500 $187,500 $254,500 $332,700
Typical monthly rent $968 $901 $1,209 $1,413
Typical yearly household income $50,801 $63,675 $77,971 $80,734
Households that own their home 63% 72% 69% 65%
Typical yearly property tax $2,132 $2,044 $3,311 $3,119
Effective property tax rate 1.26% 1.09% 1.3% 0.94%
Renters with high rent for their income 40% 39% 48% 51%

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

For a typical $169,500 home in Sayre, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Sayre's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,451a month

    Least cash to close
    Down payment
    $5,933
    Cash to close
    $11,018
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $75

  • Conventional, 5% down $1,420a month

    Down payment
    $8,475
    Cash to close
    $13,560
    Rate
    7.18%
    Mortgage insurance
    PMI · $81

  • Conventional, 20% down, no PMI $1,167a month

    Down payment
    $33,900
    Cash to close
    $38,985
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,324a month

    Down payment
    $25,425
    Cash to close
    $30,510
    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 Sayre and for Bradford County.

Property tax

Effective rate in Sayre

1.26%of the home’s value each year

$2,132 a year for the typical owner in Sayre.

  • Sayre 1.26%
  • Bradford 1.09%
  • Pennsylvania 1.3%

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

Exemptions and deadlines in Pennsylvania

Flood risk in Bradford County

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

Homes in the high-risk zone
5.3%
1,527
Of those, with NFIP insurance
26%
County Pennsylvania U.S.
Homes in the high-risk zone 5.3% 2% 3.5%
Of those, with NFIP insurance 26% 23% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Sayre

Typical rent in Sayre is $968 a month: 7% above the county. In Sayre, 40% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Bradford County, by unit size. To pay the 2-bedroom one ($1,100 a month) without spending more than 30% of your income, you would need to earn $21.15 an hour working full time.

HUD fair market rent for all of Bradford 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 $843 $16.21 $33,720
1 bedroom $849 $16.33 $33,960
2 bedrooms $1,100 $21.15 $44,000
3 bedrooms $1,356 $26.08 $54,240
4 bedrooms $1,531 $29.44 $61,240

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 Sayre

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Sayre is in ZIP code 18840.

For 2 bedrooms it is $1,130: $30 more than the fair market rent for Bradford County ($1,100).

  • 18840 $1,130$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 Sayre 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 Sayre

HUD lists 4 buildings with rents for lower incomes in Sayre. These are the largest.

  • Wilbur 148 Desmond St, Sayre 18840 30 low-income homes · Studio: 1 · 1 bd: 21 · 2 bd: 8 · In service since 2002 · For families
  • Hopkins Commons Phase II 426 N Keystone Ave, Sayre 18840 15 low-income homes · 1 bd: 11 · 2 bd: 4 · In service since 1999 · For older adults
  • Hopkins Commons 428 N Keystone Ave, Sayre 18840 11 low-income homes · 1 bd: 11 · In service since 1996 · For older adults
  • Lockhart Elderly 104 W Lockhart St, Sayre 18840 9 low-income homes · 1 bd: 7 · 2 bd: 2 · In service since 2006 · For older adults

See all 16 buildings in Bradford County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Sayre

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 Bradford 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 Sayre

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

Which programs do I qualify for? All programs in Pennsylvania

Housing counselors near Sayre

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

  • Trehab

    36 Public Ave, Montrose · 35 miles away

    • Pre-purchase counseling
    (570) 265-2072

  • Neighborworks Northeastern Pa/NHS of Lackawanna County

    815 Smith St, Scranton · 59 miles away

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

  • United Neighborhood Centers of Northeastern Pennsylvania

    410 Olive St, Scranton · 59 miles away

    • Homelessness services
    • Rental counseling
    (570) 343-8835

All counseling agencies in Pennsylvania

Help in Spanish near Sayre

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 Sayre

HUD lists no housing authority with an office in Bradford County. One in a neighboring county or the state’s may serve the area.

All housing agencies in Pennsylvania Source: HUD

Cities

Nearby cities

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

Everything about Bradford County Housing in Pennsylvania

Neighboring counties

If Bradford 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 Sayre.

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

Questions

Housing questions about Sayre

Short answers with the numbers for Sayre and all of Bradford 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 Sayre?

The typical home value in Sayre is $169,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Bradford County it is $187,500.

How much does it cost to rent in Sayre?

Typical rent in Sayre is $968 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Bradford County is $1,100.

What is the FHA loan limit in Sayre?

Sayre uses the FHA limit for all of Bradford 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 Sayre?

The typical homeowner in Sayre pays $2,132 a year, according to the U.S. Census Bureau. That is 1.26% of the home’s value; in Bradford County, the rate is 1.09%.

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

We found no HUD-approved counseling agencies with an office in Bradford 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).