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City · 5,894 residents · Monroe County, Pennsylvania

Stroudsburg , Pennsylvania

In Stroudsburg, a typical home is worth $229,800 and typical rent is $1,565 a month. Compared with all of Monroe County, typical household income is 20% lower, the typical home value is 14% lower, and the share of households that own their home is 38 points lower.

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  • Typical home value

    $229,800

    14% below the county

    10% below Pennsylvania

    • Stroudsburg
    • Monroe
    • Pennsylvania

  • Typical rent

    $1,565a month

    12% above the county

    29% above Pennsylvania

    • Stroudsburg
    • Monroe
    • Pennsylvania

  • Typical household income

    $66,674a year

    20% below the county

    14% below Pennsylvania

    • Stroudsburg
    • Monroe
    • Pennsylvania

  • Households that own their home

    42%

    38 points below the county

    27 points below Pennsylvania

    • Stroudsburg
    • Monroe
    • Pennsylvania

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

Market now, with Zillow data

Zillow data
Typical home value
$353,364
3.3% more than 12 months ago
Typical rent
$1,668 a month

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

Stroudsburg is in Monroe 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 Monroe County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Stroudsburg apart

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

  1. 42% of households in Stroudsburg own their home, against 80% in Monroe County.

  2. Stroudsburg has the 11th largest share of rent-burdened renters of the 232 cities in Pennsylvania with more than 5,000 people (68%).

  3. Nearby, in Bangor, the typical rent is $1,134: 28% less than in Stroudsburg ($1,565).

  4. Nearby, in Bangor, the typical home value is $173,800: 24% less than in Stroudsburg ($229,800).

  5. The typical household income in Stroudsburg is $66,674, 20% less than in Monroe County as a whole ($83,565).

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

The homes here

Housing in Stroudsburg

What homes there are in Stroudsburg, 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 Stroudsburg there is a bit of everything: no kind of home reaches half. The most common are detached houses (37%); in Monroe County, 84%.

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

With a mortgage

$1,877 a month

Monroe County: $1,853 a month

Without a mortgage

$859 a month

Monroe County: $793 a month

Owners with a mortgage

61%

Monroe County: 63%

In Stroudsburg, 61% of owners have a mortgage; their typical cost is $1,877 a month, about the same as in Monroe County.

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 Stroudsburg gained value more slowly than in Monroe County: 42% since 2015–2019, against 59%.

Rents in Stroudsburg rose faster than in Monroe County: 56% since 2015–2019, against 26%.

Income in Stroudsburg grew faster than housing: it rose 59%, while home values changed +42% and rent +56%.

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

MeasureStroudsburgMonroe CountyPennsylvaniaUnited States
Rental vacancy Unreliable estimate2.7%4.9%5.5%
Homeowner vacancy Unreliable estimate1.1%0.8%0.9%
More than one person per room Unreliable estimate1.7%1.6%3.4%
People per household 2.222.692.392.53
Drive alone 69%73%68%69%
Carpool Unreliable estimate10%8%9%
Public transit Unreliable estimate3%4%3%
Walk or bike Unreliable estimate1%4%3%
Work from home Unreliable estimate11%16%15%
Other means Unreliable estimate2%1%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

Households in Stroudsburg are smaller: 2.22 people on average; in Monroe County, 2.69.

In Stroudsburg, 69% of workers drive alone to work; in Monroe County, 73%.

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 Stroudsburg?

A typical home costs more than the typical income allows

We start with a typical home in Stroudsburg, worth $229,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 38% of the typical household income in Stroudsburg, which is $66,674 a year. For that payment to be 28% of income, a household would need to earn about $90,875 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Stroudsburg. 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 $8,043 (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

$2,120

at 7.18% · 30 years

Loan amount
$225,638
Total interest
$324,640
Paid off in
November 2056

Includes $3,881 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,556 a month

  • Tight

    $1,556 to $2,000 a month

  • Hard

    more than $2,000 a month

    Your payment · 38%

Compared with the typical household income in Stroudsburg ($66,674 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,120
Principal & interest$1,529
Property tax$395
Home insurance$96
FHA mortgage insurance (MIP)$102

You need at least $8,043 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

Stroudsburg and Monroe County

Stroudsburg is in Monroe 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).

Stroudsburg's own numbers

Typical home value
$229,800
Typical monthly rent
$1,565
Typical yearly household income
$66,674
Households that own their home
42%
Effective property tax rate
2.06%

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

Numbers for all of Monroe County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,550
Price change over 5 years (FHFA)
+65%
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 Monroe County.

Everything about Monroe County

Buying

Buying a home in Stroudsburg

A typical home in Stroudsburg is worth $229,800: 14% below the county and 10% below Pennsylvania. With the typical household income in Stroudsburg ($66,674 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.

  • Stroudsburg 3.4 years
  • Monroe 3.2 years
  • Pennsylvania 3.3 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Monroe County

According to FHFA’s house price index, home prices in Monroe County rose 112% in the 10 years through 2025.

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

Period County Pennsylvania U.S.
Last year (2025) +7.2% +4.7% +2.9%
5 years (2020–2025) +65% +48% +47%
10 years (2015–2025) +112% +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

Stroudsburg next to Monroe 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
  • Stroudsburg $229,800
  • Monroe $267,600
  • Pennsylvania $254,500
  • United States $332,700
Typical monthly rent
  • Stroudsburg $1,565
  • Monroe $1,393
  • Pennsylvania $1,209
  • United States $1,413
Typical yearly household income
  • Stroudsburg $66,674
  • Monroe $83,565
  • Pennsylvania $77,971
  • United States $80,734
See the full table
Stroudsburg next to Monroe County and Pennsylvania
Measure Stroudsburg Monroe County Pennsylvania U.S.
Typical home value $229,800 $267,600 $254,500 $332,700
Typical monthly rent $1,565 $1,393 $1,209 $1,413
Typical yearly household income $66,674 $83,565 $77,971 $80,734
Households that own their home 42% 80% 69% 65%
Typical yearly property tax $4,742 $4,447 $3,311 $3,119
Effective property tax rate 2.06% 1.66% 1.3% 0.94%
Renters with high rent for their income 68% 57% 48% 51%

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

For a typical $229,800 home in Stroudsburg, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Stroudsburg's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,120a month

    Least cash to close
    Down payment
    $8,043
    Cash to close
    $14,937
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $102

  • Conventional, 5% down $2,078a month

    Down payment
    $11,490
    Cash to close
    $18,384
    Rate
    7.18%
    Mortgage insurance
    PMI · $109

  • Conventional, 20% down, no PMI $1,736a month

    Down payment
    $45,960
    Cash to close
    $52,854
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,948a month

    Down payment
    $34,470
    Cash to close
    $41,364
    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 Stroudsburg and for Monroe County.

Property tax

Effective rate in Stroudsburg

2.06%of the home’s value each year

$4,742 a year for the typical owner in Stroudsburg.

  • Stroudsburg 2.06%
  • Monroe 1.66%
  • Pennsylvania 1.3%

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

Exemptions and deadlines in Pennsylvania

Flood risk in Monroe County

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

Homes in the high-risk zone
1.6%
1,192
Of those, with NFIP insurance
20%
County Pennsylvania U.S.
Homes in the high-risk zone 1.6% 2% 3.5%
Of those, with NFIP insurance 20% 23% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Stroudsburg

Typical rent in Stroudsburg is $1,565 a month: 12% above the county. In Stroudsburg, 68% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Monroe County, by unit size. To pay the 2-bedroom one ($1,550 a month) without spending more than 30% of your income, you would need to earn $29.81 an hour working full time.

HUD fair market rent for all of Monroe 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 $1,258 $24.19 $50,320
1 bedroom $1,266 $24.35 $50,640
2 bedrooms $1,550 $29.81 $62,000
3 bedrooms $2,115 $40.67 $84,600
4 bedrooms $2,591 $49.83 $103,640

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 Stroudsburg

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Stroudsburg is in ZIP code 18360.

For 2 bedrooms it is $1,540: $10 less than the fair market rent for Monroe County ($1,550).

  • 18360 $1,540$2,100

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

HUD lists 3 buildings with rents for lower incomes in Stroudsburg. These are the largest.

  • West Gate 1055 W Main St, Stroudsburg 18360 139 low-income homes · Run by The Housing Authority of Monroe County · Average payment: $434 a month · Average wait: 63 months (570) 421-7770
  • Creekview Apartments 100 Ed Christine DR, Stroudsburg 18360 80 low-income homes · For families (570) 424-2385
  • White Stone Commons 360 Whitestone Cor, Stroudsburg 18360 72 low-income homes · 1 bd: 66 · 2 bd: 6 · In service since 2011 · For older adults

See all 12 buildings in Monroe County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Stroudsburg

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 Monroe County. The nearest ones are below; many serve by phone or online.

A man leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in Stroudsburg

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

Which programs do I qualify for? All programs in Pennsylvania

Housing counselors near Stroudsburg

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

  • Greater Community Development Corporation

    403 Pastor Fred Davis St, Easton · 21 miles away

    • Budget and financial counseling
    • Pre-purchase counseling
    (610) 596-1134

  • Community Action Committee of Lehigh Valley, Inc.

    1337 E 5th St, Bethlehem · 27 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 5 more
    (610) 691-5620

  • United Neighborhood Centers of Northeastern Pennsylvania

    410 Olive St, Scranton · 38 miles away

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

All counseling agencies in Pennsylvania

Help in Spanish near Stroudsburg

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 Stroudsburg

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

  • The Housing Authority of Monroe County Public housing and Section 8 vouchers (570) 421-7770

All housing agencies in Pennsylvania Source: HUD

Cities

Other cities in Monroe County

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

Everything about Monroe County Housing in Pennsylvania

Nearby cities

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

Neighboring counties

If Monroe 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 Stroudsburg.

All guides
A family walks a boardwalk trail in the forest; one of them uses a wheelchair.

Questions

Housing questions about Stroudsburg

Short answers with the numbers for Stroudsburg and all of Monroe 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 Stroudsburg?

The typical home value in Stroudsburg is $229,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Monroe County it is $267,600.

How much does it cost to rent in Stroudsburg?

Typical rent in Stroudsburg is $1,565 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Monroe County is $1,550.

What is the FHA loan limit in Stroudsburg?

Stroudsburg uses the FHA limit for all of Monroe 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 Stroudsburg?

The typical homeowner in Stroudsburg pays $4,742 a year, according to the U.S. Census Bureau. That is 2.06% of the home’s value; in Monroe County, the rate is 1.66%.

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

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