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City · 9,240 residents · Warren County, Pennsylvania

Warren , Pennsylvania

In Warren, a typical home is worth $103,800 and typical rent is $771 a month. Compared with all of Warren County, the typical home value is 19% lower, typical household income is 11% lower, and the share of households that own their home is 17 points lower.

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  • Typical home value

    $103,800

    19% below the county

    59% below Pennsylvania

    • Warren
    • County
    • Pennsylvania

  • Typical rent

    $771a month

    2% above the county

    36% below Pennsylvania

    • Warren
    • County
    • Pennsylvania

  • Typical household income

    $53,815a year

    11% below the county

    31% below Pennsylvania

    • Warren
    • County
    • Pennsylvania

  • Households that own their home

    62%

    17 points below the county

    7 points below Pennsylvania

    • Warren
    • County
    • Pennsylvania

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

Market now, with Zillow data

Zillow data
Typical home value
$144,982
about the same as 12 months ago

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

Warren is in Warren 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 Warren County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Warren apart

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

  1. Warren has the 8th smallest share of rent-burdened renters of the 232 cities in Pennsylvania with more than 5,000 people (31%).

  2. 62% of households in Warren own their home, against 79% in Warren County.

  3. Nearby, in Oil City, the typical home value is $74,100: 29% less than in Warren ($103,800).

  4. The typical home in Warren is worth $103,800, 19% less than in Warren County as a whole ($127,500).

  5. Warren has the 22nd lowest typical rent of the 265 cities in Pennsylvania with more than 5,000 people ($771).

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

The homes here

Housing in Warren

What homes there are in Warren, 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 Warren, but it weighs less than in Warren County: 65% against 78%.

Year built

In Warren, at least half of the homes were built before 1940, and 79% date from before 1960.

In Warren, 59% of homes have 3 bedrooms or more, about the same as in Warren 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

HUD's 2-bedroom fair market rent (FMR) for Warren County is $1,014; about 82% of rents in Warren are below it.

With a mortgage

$1,084 a month

Warren County: $1,171 a month

Without a mortgage

$452 a month

Warren County: $471 a month

Owners with a mortgage

42%

Warren County: 42%

Owning costs less in Warren: with a mortgage, the typical cost is $1,084 a month; in Warren County, $1,171. Without one, $452.

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

Much as in Warren County, the typical home value in Warren rose 28% since 2015–2019.

The typical rent in Warren rose 29% over the same time; in Warren County, it rose 23%.

While home values in Warren changed +28% and rent +29%, the typical household income rose 25%.

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

MeasureWarrenWarren CountyPennsylvaniaUnited States
Rental vacancy Unreliable estimateUnreliable estimate4.9%5.5%
Homeowner vacancy Unreliable estimate0.7%0.8%0.9%
More than one person per room Unreliable estimate0.5%1.6%3.4%
People per household 2.082.312.392.53
Drive alone 76%79%68%69%
Carpool Unreliable estimate10%8%9%
Public transit Unreliable estimateUnreliable estimate4%3%
Walk or bike 7%3%4%3%
Work from home 6%6%16%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate10 to 19 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Warren has 2.08 people, fewer than in Warren County (2.31).

Many here get to work on foot or by bike: 7%, more than in Warren County (3%).

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 Warren?

A typical home is within reach of the typical income

We start with a typical home in Warren, worth $103,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 21% of the typical household income in Warren, which is $53,815 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Warren. 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 $3,633 (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

$921

at 7.18% · 30 years

Loan amount
$101,920
Total interest
$146,639
Paid off in
November 2056

Includes $1,753 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,256 a month

    Your payment · 21%

  • Tight

    $1,256 to $1,614 a month

  • Hard

    more than $1,614 a month

Compared with the typical household income in Warren ($53,815 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$921
Principal & interest$690
Property tax$142
Home insurance$43
FHA mortgage insurance (MIP)$46

You need at least $3,633 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

Warren and Warren County

Warren is in Warren 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).

Warren's own numbers

Typical home value
$103,800
Typical monthly rent
$771
Typical yearly household income
$53,815
Households that own their home
62%
Effective property tax rate
1.64%

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

Numbers for all of Warren County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,014
Price change over 5 years (FHFA)
+40%
Homes in a high flood-risk zone
6.7%

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 Warren County.

Everything about Warren County

Buying

Buying a home in Warren

A typical home in Warren is worth $103,800: 19% below the county and 59% below Pennsylvania. With the typical household income in Warren ($53,815 a year), a typical home costs 1.9 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.

  • Warren 1.9 years
  • County 2.1 years
  • Pennsylvania 3.3 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Warren County

According to FHFA’s house price index, home prices in Warren County rose 56% in the 10 years through 2025.

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

Period County Pennsylvania U.S.
Last year (2025) −0.8% +4.7% +2.9%
5 years (2020–2025) +40% +48% +47%
10 years (2015–2025) +56% +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

Warren next to Warren 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
  • Warren $103,800
  • County $127,500
  • Pennsylvania $254,500
  • United States $332,700
Typical monthly rent
  • Warren $771
  • County $755
  • Pennsylvania $1,209
  • United States $1,413
Typical yearly household income
  • Warren $53,815
  • County $60,480
  • Pennsylvania $77,971
  • United States $80,734
See the full table
Warren next to Warren County and Pennsylvania
Measure Warren Warren County Pennsylvania U.S.
Typical home value $103,800 $127,500 $254,500 $332,700
Typical monthly rent $771 $755 $1,209 $1,413
Typical yearly household income $53,815 $60,480 $77,971 $80,734
Households that own their home 62% 79% 69% 65%
Typical yearly property tax $1,704 $1,687 $3,311 $3,119
Effective property tax rate 1.64% 1.32% 1.3% 0.94%
Renters with high rent for their income 31% 33% 48% 51%

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

For a typical $103,800 home in Warren, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Warren's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $921a month

    Least cash to close
    Down payment
    $3,633
    Cash to close
    $6,747
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $46

  • Conventional, 5% down $902a month

    Down payment
    $5,190
    Cash to close
    $8,304
    Rate
    7.18%
    Mortgage insurance
    PMI · $49

  • Conventional, 20% down, no PMI $748a month

    Down payment
    $20,760
    Cash to close
    $23,874
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $844a month

    Down payment
    $15,570
    Cash to close
    $18,684
    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 Warren and for Warren County.

Property tax

Effective rate in Warren

1.64%of the home’s value each year

$1,704 a year for the typical owner in Warren.

  • Warren 1.64%
  • County 1.32%
  • Pennsylvania 1.3%

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

Exemptions and deadlines in Pennsylvania

Flood risk in Warren County

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

Homes in the high-risk zone
6.7%
1,534
Of those, with NFIP insurance
8.5%
County Pennsylvania U.S.
Homes in the high-risk zone 6.7% 2% 3.5%
Of those, with NFIP insurance 8.5% 23% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Warren

Typical rent in Warren is $771 a month: 2% above the county. In Warren, 31% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Warren County, by unit size. To pay the 2-bedroom one ($1,014 a month) without spending more than 30% of your income, you would need to earn $19.50 an hour working full time.

HUD fair market rent for all of Warren 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 $839 $16.13 $33,560
1 bedroom $844 $16.23 $33,760
2 bedrooms $1,014 $19.50 $40,560
3 bedrooms $1,349 $25.94 $53,960
4 bedrooms $1,446 $27.81 $57,840

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 Warren

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Warren is in ZIP code 16365.

For 2 bedrooms it is $1,040: $26 more than the fair market rent for Warren County ($1,014).

  • 16365 $1,040$1,380

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

HUD lists 5 buildings with rents for lower incomes in Warren. These are the largest.

  • RiverView/CONEWANGO TOWERS/BROKENSTRAW 108 Oak St, Warren 16365 200 homes, 195 low-income · Run by Housing Authority of the County of Warren · Average payment: $426 a month · Average wait: 2 months · Homes at several sites (814) 723-2312
  • Canterbury Court 310 Liberty St, Warren 16365 50 low-income homes · For older adults (814) 723-2312
  • Allegheny Pointe 335 Pennsylvania Ave W, Warren 16365 24 low-income homes · 1 bd: 20 · 2 bd: 4 · In service since 2005 · For older adults
  • Presidential Place 105 Madison Ave, Warren 16365 8 low-income homes · For people with disabilities (814) 453-3333
  • Warren Anthems 116 Muir St, Warren 16365 8 low-income homes · For older adults (814) 453-3333

See all 7 buildings in Warren County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Warren

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 Warren 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 Warren

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

Which programs do I qualify for? All programs in Pennsylvania

Housing counselors near Warren

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

  • Saint Martin Center, Inc

    1701 Parade St, Erie · 51 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    814-452-6113-213

  • Greater Erie Community Action Agency

    18 W 9th St, Erie · 52 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (814) 459-4581

  • Center for Family Services, Incorporated

    996 S Main St, Meadville · 54 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (814) 337-8450

All counseling agencies in Pennsylvania

Help in Spanish near Warren

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 Warren

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

  • Housing Authority of the County of Warren Public housing and Section 8 vouchers (814) 723-2312

All housing agencies in Pennsylvania Source: HUD

Cities

Nearby cities

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

Everything about Warren County Housing in Pennsylvania

Neighboring counties

If Warren 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 Warren.

All guides
A father, a mother and their daughter smile among the avocado trees by their home in Somis, California.

Questions

Housing questions about Warren

Short answers with the numbers for Warren and all of Warren 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 Warren?

The typical home value in Warren is $103,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Warren County it is $127,500.

How much does it cost to rent in Warren?

Typical rent in Warren is $771 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Warren County is $1,014.

What is the FHA loan limit in Warren?

Warren uses the FHA limit for all of Warren 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 Warren?

The typical homeowner in Warren pays $1,704 a year, according to the U.S. Census Bureau. That is 1.64% of the home’s value; in Warren County, the rate is 1.32%.

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

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