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City · 6,635 residents · Delaware County, Pennsylvania

Wayne , Pennsylvania

In Wayne, a typical home is worth $713,300 and typical rent is $2,022 a month. Compared with all of Delaware County, the typical home value is 115% higher and typical household income is 68% higher.

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  • Typical home value

    $713,300

    115% above the county

    180% above Pennsylvania

    • Wayne
    • Delaware
    • Pennsylvania

  • Typical rent

    $2,022a month

    47% above the county

    67% above Pennsylvania

    • Wayne
    • Delaware
    • Pennsylvania

  • Typical household income

    $150,539a year

    68% above the county

    93% above Pennsylvania

    • Wayne
    • Delaware
    • Pennsylvania

  • Households that own their home

    66%

    3 points below the county

    3 points below Pennsylvania

    • Wayne
    • Delaware
    • Pennsylvania

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

Market now, with Zillow data

Zillow data
Typical home value
$951,696
7.1% more than 12 months ago
Typical rent
$2,108 a month
2.8% more than 12 months ago

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

Wayne is in Delaware 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 Delaware County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Wayne apart

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

  1. The typical home in Wayne is worth $713,300, 115% more than in Delaware County as a whole ($332,200).

  2. The typical household income in Wayne is $150,539, 68% more than in Delaware County as a whole ($89,546).

  3. Nearby, in Bridgeport, the typical home value is $341,100: 52% less than in Wayne ($713,300).

  4. The typical rent in Wayne is $2,022 a month, 47% more than in Delaware County as a whole ($1,372).

  5. Nearby, in Bridgeport, the typical rent is $1,242: 39% less than in Wayne ($2,022).

  6. According to Zillow, in the 12 months to September 2026 the typical home value in Wayne rose 7.1%; in Pennsylvania, it rose 2.2%.

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Wayne

What homes there are in Wayne, 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 Wayne, 5 in 10 homes are single-family detached houses; in Delaware County, 4.

Year built

By age, homes in Wayne look like those in Delaware County: the typical year built is 1956.

Homes in Wayne are smaller: 66% have 3 bedrooms or more; in Delaware County, 69%.

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

$3,868 a month

Delaware County: $2,222 a month

Without a mortgage

$1,238 a month

Delaware County: $884 a month

Owners with a mortgage

54%

Delaware County: 63%

In Wayne, 54% of owners have a mortgage, and their typical cost is $3,868 a month, against $2,222 in Delaware County. Without one it drops to $1,238.

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 boundaries of Wayne changed since 2015–2019, so the Census does not compare its figures from then and now. In Delaware County, the typical home value rose 36%.

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

MeasureWayneDelaware CountyPennsylvaniaUnited States
Rental vacancy Unreliable estimate4.8%4.9%5.5%
Homeowner vacancy Unreliable estimate0.6%0.8%0.9%
More than one person per room Unreliable estimate1.5%1.6%3.4%
People per household 2.552.562.392.53
Drive alone 66%64%68%69%
Carpool Unreliable estimate7%8%9%
Public transit Unreliable estimate6%4%3%
Walk or bike Unreliable estimate4%4%3%
Work from home 23%18%16%15%
Other means Unreliable estimate2%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

A household in Wayne has 2.55 people on average, about the same as in Delaware County (2.56).

Many people here do not commute at all: 23% work from home; in Delaware County, 18%.

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 Wayne?

A typical home costs more than the typical income allows

We start with a typical home in Wayne, worth $713,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 49% of the typical household income in Wayne, which is $150,539 a year. For that payment to be 28% of income, a household would need to earn about $261,188 a year. Note: at that price the loan is above the FHA limit for Delaware County ($630,200), so FHA would not insure it; the payment is only a reference.

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

Your numbers

Local data
$

Starts at the typical home value in Wayne. 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 $24,966 (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

$6,094

at 7.18% · 30 years

Loan amount
$700,380
Total interest
$1,007,682
Paid off in
November 2056

Includes $12,046 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,513 a month

  • Tight

    $3,513 to $4,516 a month

  • Hard

    more than $4,516 a month

    Your payment · 49%

Compared with the typical household income in Wayne ($150,539 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$6,094
Principal & interest$4,745
Property tax$737
Home insurance$297
FHA mortgage insurance (MIP)$315

This loan is over the FHA limit

You'd borrow $688,334, but the FHA limit for a one-unit home in Wayne is $630,200. You'd need a bigger down payment or a different loan.

You need at least $24,966 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

Wayne and Delaware County

Wayne is in Delaware 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).

Wayne's own numbers

Typical home value
$713,300
Typical monthly rent
$2,022
Typical yearly household income
$150,539
Households that own their home
66%
Effective property tax rate
1.24%

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

Numbers for all of Delaware 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)
+53%
Homes in a high flood-risk zone
1.1%

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 Delaware County.

Everything about Delaware County

Buying

Buying a home in Wayne

A typical home in Wayne is worth $713,300: 115% above the county and 180% above Pennsylvania. With the typical household income in Wayne ($150,539 a year), a typical home costs 4.7 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.

  • Wayne 4.7 years
  • Delaware 3.7 years
  • Pennsylvania 3.3 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Delaware County

According to FHFA’s house price index, home prices in Delaware County rose 84% in the 10 years through 2025.

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

Period County Pennsylvania U.S.
Last year (2025) +4.6% +4.7% +2.9%
5 years (2020–2025) +53% +48% +47%
10 years (2015–2025) +84% +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

Wayne next to Delaware 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
  • Wayne $713,300
  • Delaware $332,200
  • Pennsylvania $254,500
  • United States $332,700
Typical monthly rent
  • Wayne $2,022
  • Delaware $1,372
  • Pennsylvania $1,209
  • United States $1,413
Typical yearly household income
  • Wayne $150,539
  • Delaware $89,546
  • Pennsylvania $77,971
  • United States $80,734
See the full table
Wayne next to Delaware County and Pennsylvania
Measure Wayne Delaware County Pennsylvania U.S.
Typical home value $713,300 $332,200 $254,500 $332,700
Typical monthly rent $2,022 $1,372 $1,209 $1,413
Typical yearly household income $150,539 $89,546 $77,971 $80,734
Households that own their home 66% 70% 69% 65%
Typical yearly property tax $8,842 $6,124 $3,311 $3,119
Effective property tax rate 1.24% 1.84% 1.3% 0.94%
Renters with high rent for their income 50% 55% 48% 51%

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

For a typical $713,300 home in Wayne, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Wayne's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $6,094a month

    Above the FHA limit for Delaware County ($630,200)
    Down payment
    $24,966
    Cash to close
    $46,365
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $315

  • Conventional, 5% down $5,964a month

    Least cash to close
    Down payment
    $35,665
    Cash to close
    $57,064
    Rate
    7.18%
    Mortgage insurance
    PMI · $339

  • Conventional, 20% down, no PMI $4,900a month

    Down payment
    $142,660
    Cash to close
    $164,059
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $5,559a month

    Down payment
    $106,995
    Cash to close
    $128,394
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is Conventional, 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 Wayne and for Delaware County.

Property tax

Effective rate in Wayne

1.24%of the home’s value each year

$8,842 a year for the typical owner in Wayne.

  • Wayne 1.24%
  • Delaware 1.84%
  • Pennsylvania 1.3%

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

Exemptions and deadlines in Pennsylvania

Flood risk in Delaware County

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

Homes in the high-risk zone
1.1%
1,813
Of those, with NFIP insurance
39%
County Pennsylvania U.S.
Homes in the high-risk zone 1.1% 2% 3.5%
Of those, with NFIP insurance 39% 23% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Wayne

Typical rent in Wayne is $2,022 a month: 47% above the county. In Wayne, 50% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Delaware 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 Delaware 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 Wayne

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Wayne is in ZIP code 19087.

For 2 bedrooms it is $2,660: $800 more than the fair market rent for Delaware County ($1,860).

  • 19087 $2,660$3,170

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

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

  • Highland Homes 538 Highland Ct, Wayne 19087 50 low-income homes · Run by Housing Authority County of Delaware · Average payment: $574 a month (610) 876-2521
  • Highland Homes Apts 225 Highland Ave, Wayne 19087 50 homes · 2 bd: 24 · 3 bd: 26 · In service since 2002 · For people with disabilities, families

See all 70 buildings in Delaware County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Wayne

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 4 HUD-approved agencies with an office in Delaware County; 1 says it serves in Spanish.

A pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in Wayne

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

Which programs do I qualify for? All programs in Pennsylvania

Housing counselors near Wayne

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

  • Genesis Housing Corporation

    1430 Dekalb St, Norristown · 7 miles away

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

  • CCCS of Delaware Valley, Inc. DBA Clarifi

    8600 W Chester Pike, Upper Darby · 8 miles away

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

  • Media Fellowship House

    302 S Jackson St, Media · 9 miles away

    • Mortgage delinquency and default
    • Pre-purchase counseling
    • and 1 more
    (610) 565-0434

Every agency in Delaware County All counseling agencies in Pennsylvania

Help in Spanish near Wayne

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 Wayne

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

  • Housing Authority County of Delaware Public housing and Section 8 vouchers (610) 876-2521

One other authority has an office in Delaware County: see the list Source: HUD

Cities

Other cities in Delaware County

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

Everything about Delaware County Housing in Pennsylvania
See 9 more cities in Delaware County, with prices and rents

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

Nearby cities

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

Neighboring counties

If Delaware 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 Wayne.

All guides
A mother holds her laughing daughter on a grey sofa.

Questions

Housing questions about Wayne

Short answers with the numbers for Wayne and all of Delaware 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 Wayne?

The typical home value in Wayne is $713,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Delaware County it is $332,200.

How much does it cost to rent in Wayne?

Typical rent in Wayne is $2,022 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Delaware County is $1,860.

What is the FHA loan limit in Wayne?

Wayne uses the FHA limit for all of Delaware 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 Wayne?

The typical homeowner in Wayne pays $8,842 a year, according to the U.S. Census Bureau. That is 1.24% of the home’s value; in Delaware County, the rate is 1.84%.

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

There are 4 HUD-approved counseling agencies with an office in Delaware 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).