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City · 7,181 residents · Montgomery County, Pennsylvania

Souderton , Pennsylvania

In Souderton, a typical home is worth $320,900 and typical rent is $1,297 a month. Compared with all of Montgomery County, the typical home value is 27% lower, typical rent is 23% lower, and the share of households that own their home is 9 points lower.

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  • Typical home value

    $320,900

    27% below the county

    26% above Pennsylvania

    • Souderton
    • Montgomery
    • Pennsylvania

  • Typical rent

    $1,297a month

    23% below the county

    7% above Pennsylvania

    • Souderton
    • Montgomery
    • Pennsylvania

  • Typical household income

    $93,537a year

    18% below the county

    20% above Pennsylvania

    • Souderton
    • Montgomery
    • Pennsylvania

  • Households that own their home

    62%

    9 points below the county

    7 points below Pennsylvania

    • Souderton
    • Montgomery
    • Pennsylvania

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

Market now, with Zillow data

Zillow data
Typical home value
$466,862
2.4% more than 12 months ago
Typical rent
$1,760 a month

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

Souderton 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 Souderton apart

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

  1. The typical home in Souderton is worth $320,900, 27% less than in Montgomery County as a whole ($436,700).

  2. The typical rent in Souderton is $1,297 a month, 23% less than in Montgomery County as a whole ($1,683).

  3. The typical household income in Souderton is $93,537, 18% less than in Montgomery County as a whole ($113,915).

  4. 62% of households in Souderton own their home, against 71% in Montgomery County.

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

The homes here

Housing in Souderton

What homes there are in Souderton, 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

No kind of home is the majority in Souderton; the largest group, detached houses, adds up to 38%, less than in Montgomery County (53%).

Year built

The typical home in Souderton was built in 1959, 12 years before the typical one in Montgomery 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
Monthly rent with utilities

With a mortgage

$2,035 a month

Montgomery County: $2,441 a month

Without a mortgage

$796 a month

Montgomery County: $936 a month

Owners with a mortgage

61%

Montgomery County: 66%

Owning costs less in Souderton: with a mortgage, the typical cost is $2,035 a month; in Montgomery County, $2,441. Without one, $796.

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 Souderton rose 41% since 2015–2019, about the same as in Montgomery County (38%).

Rents in Souderton rose at about the same pace as in Montgomery County: 31% since 2015–2019, against 30%.

To compare: typical income in Souderton rose 39%; the home, +41%; the rent, +31%.

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

MeasureSoudertonMontgomery 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 2.572.522.392.53
Drive alone 83%64%68%69%
Carpool Unreliable estimate6%8%9%
Public transit Unreliable estimate3%4%3%
Walk or bike Unreliable estimate2%4%3%
Work from home 9%23%16%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in Montgomery County, a household in Souderton has 2.57 people on average.

To get to work, 83% of workers in Souderton 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 Souderton?

A typical home is tight for the typical income

We start with a typical home in Souderton, worth $320,900, 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 Souderton, which is $93,537 a year. For that payment to be 28% of income, a household would need to earn about $120,140 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 Souderton. 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 $11,232 (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

$2,803

at 7.18% · 30 years

Loan amount
$315,087
Total interest
$453,337
Paid off in
November 2056

Includes $5,419 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,183 a month

  • Tight

    $2,183 to $2,806 a month

    Your payment · 36%

  • Hard

    more than $2,806 a month

Compared with the typical household income in Souderton ($93,537 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,803
Principal & interest$2,135
Property tax$393
Home insurance$134
FHA mortgage insurance (MIP)$142

You need at least $11,232 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

Souderton and Montgomery County

Souderton 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).

Souderton's own numbers

Typical home value
$320,900
Typical monthly rent
$1,297
Typical yearly household income
$93,537
Households that own their home
62%
Effective property tax rate
1.47%

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 Souderton

A typical home in Souderton is worth $320,900: 27% below the county and 26% above Pennsylvania. With the typical household income in Souderton ($93,537 a year), a typical home costs 3.4 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.

  • Souderton 3.4 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

Souderton 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
  • Souderton $320,900
  • Montgomery $436,700
  • Pennsylvania $254,500
  • United States $332,700
Typical monthly rent
  • Souderton $1,297
  • Montgomery $1,683
  • Pennsylvania $1,209
  • United States $1,413
Typical yearly household income
  • Souderton $93,537
  • Montgomery $113,915
  • Pennsylvania $77,971
  • United States $80,734
See the full table
Souderton next to Montgomery County and Pennsylvania
Measure Souderton Montgomery County Pennsylvania U.S.
Typical home value $320,900 $436,700 $254,500 $332,700
Typical monthly rent $1,297 $1,683 $1,209 $1,413
Typical yearly household income $93,537 $113,915 $77,971 $80,734
Households that own their home 62% 71% 69% 65%
Typical yearly property tax $4,716 $5,875 $3,311 $3,119
Effective property tax rate 1.47% 1.35% 1.3% 0.94%
Renters with high rent for their income 55% 49% 48% 51%

“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 Souderton

For a typical $320,900 home in Souderton, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Souderton's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,803a month

    Least cash to close
    Down payment
    $11,232
    Cash to close
    $20,859
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $142

  • Conventional, 5% down $2,744a month

    Down payment
    $16,045
    Cash to close
    $25,672
    Rate
    7.18%
    Mortgage insurance
    PMI · $152

  • Conventional, 20% down, no PMI $2,266a month

    Down payment
    $64,180
    Cash to close
    $73,807
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,563a month

    Down payment
    $48,135
    Cash to close
    $57,762
    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 Souderton and for Montgomery County.

Property tax

Effective rate in Souderton

1.47%of the home’s value each year

$4,716 a year for the typical owner in Souderton.

  • Souderton 1.47%
  • 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 Souderton

Typical rent in Souderton is $1,297 a month: 23% below the county. In Souderton, 55% of renter households pay 30% or more of their income in rent.

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 Souderton

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Souderton is in ZIP code 18964.

For 2 bedrooms it is $1,730: $130 less than the fair market rent for Montgomery County ($1,860).

  • 18964 $1,730$2,060

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

HUD lists 2 buildings with rents for lower incomes in Souderton. These are the largest.

  • Valley Vista 36 S County Line Rd, Souderton 18964 101 homes, 100 low-income · For older adults (215) 855-8700
  • Reliance Crossing N 2nd ST & E Reliance RD, Souderton 18964 56 low-income homes · 2 bd: 31 · 3 bd: 25 · In service since 2016 · For people with disabilities, families

See all 58 buildings in Montgomery County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Souderton

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.

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in Souderton

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

Which programs do I qualify for? All programs in Pennsylvania

Housing counselors near Souderton

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

  • Genesis Housing Corporation

    1430 Dekalb St, Norristown · 13 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (610) 275-4357

  • Bucks County Housing Group

    626 Jacksonville Rd, Warminster · 16 miles away

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

  • West Oak Lane Community Development

    1624 E Wadsworth Ave, Philadelphia · 18 miles away

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

Every agency in Montgomery County All counseling agencies in Pennsylvania

Help in Spanish near Souderton

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 Souderton

HUD’s record names them for Souderton 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 Souderton, 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 Souderton.

All guides
Three generations of a family gather on the porch of their home.

Questions

Housing questions about Souderton

Short answers with the numbers for Souderton 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 Souderton?

The typical home value in Souderton is $320,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Montgomery County it is $436,700.

How much does it cost to rent in Souderton?

Typical rent in Souderton is $1,297 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Montgomery County is $1,860.

What is the FHA loan limit in Souderton?

Souderton 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 Souderton?

The typical homeowner in Souderton pays $4,716 a year, according to the U.S. Census Bureau. That is 1.47% of the home’s value; in Montgomery County, the rate is 1.35%.

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

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).