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City · 27,612 residents · Lycoming County, Pennsylvania

Williamsport , Pennsylvania

In Williamsport, a typical home is worth $154,300 and typical rent is $855 a month. Compared with all of Lycoming County, the typical home value is 24% lower, typical household income is 24% lower, and the share of households that own their home is 26 points lower.

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  • Typical home value

    $154,300

    24% below the county

    39% below Pennsylvania

    • Williamsport
    • Lycoming
    • Pennsylvania

  • Typical rent

    $855a month

    6% below the county

    29% below Pennsylvania

    • Williamsport
    • Lycoming
    • Pennsylvania

  • Typical household income

    $48,851a year

    24% below the county

    37% below Pennsylvania

    • Williamsport
    • Lycoming
    • Pennsylvania

  • Households that own their home

    43%

    26 points below the county

    26 points below Pennsylvania

    • Williamsport
    • Lycoming
    • Pennsylvania

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

Market now, with Zillow data

Zillow data
Typical home value
$208,830
2.9% more than 12 months ago
Typical rent
$1,113 a month
about the same as 12 months ago

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

Williamsport is in Lycoming 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 Lycoming County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Williamsport apart

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

  1. 43% of households in Williamsport own their home, against 69% in Lycoming County.

  2. The typical home in Williamsport is worth $154,300, 24% less than in Lycoming County as a whole ($202,200).

  3. The typical household income in Williamsport is $48,851, 24% less than in Lycoming County as a whole ($63,917).

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

The homes here

Housing in Williamsport

What homes there are in Williamsport, 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 Williamsport there is a bit of everything: no kind of home reaches half. The most common are detached houses (44%); in Lycoming County, 69%.

Year built

In Williamsport, at least half of the homes were built before 1940, and 70% date from before 1960.

In Williamsport, 26% of homes have 1 bedroom or none (studios); 55% have 3 bedrooms or more, against 65% in Lycoming 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

At least 98% of owner-occupied homes in Williamsport are worth less than $500,000, below the FHA loan limit for Lycoming County ($541,287).

Monthly rent with utilities

By rent, most homes in Williamsport cost less than HUD's 2-bedroom fair market rent ($1,217): about 77%.

With a mortgage

$1,355 a month

Lycoming County: $1,504 a month

Without a mortgage

$577 a month

Lycoming County: $576 a month

Owners with a mortgage

67%

Lycoming County: 57%

The typical cost for an owner with a mortgage in Williamsport is $1,355 a month, less than in Lycoming County ($1,504); without one, $577.

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 Williamsport rose 39% since 2015–2019, more than in Lycoming County (30%).

The typical rent in Williamsport rose 12% over the same time; in Lycoming County, it rose 16%.

The typical household income in Williamsport rose 22% over that time; home values changed +39% and rent +12%.

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

MeasureWilliamsportLycoming CountyPennsylvaniaUnited States
Rental vacancy 7.2%4.9%4.9%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.8%0.9%
More than one person per room Unreliable estimate0.9%1.6%3.4%
People per household 2.142.302.392.53
Drive alone 64%77%68%69%
Carpool 10%8%8%9%
Public transit 5%1%4%3%
Walk or bike 8%4%4%3%
Work from home 12%9%16%15%
Other means Unreliable estimate1%1%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

The rental vacancy rate in Williamsport is 7.2%, higher than in Lycoming County (4.9%).

On average, a household in Williamsport has 2.14 people, fewer than in Lycoming County (2.30).

In Williamsport, 8% of workers walk or bike to work; in Lycoming County, 4%.

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 Williamsport?

A typical home is tight for the typical income

We start with a typical home in Williamsport, worth $154,300, 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 Williamsport, which is $48,851 a year. For that payment to be 28% of income, a household would need to earn about $59,421 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Williamsport. 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 $5,401 (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

$1,387

at 7.18% · 30 years

Loan amount
$151,505
Total interest
$217,980
Paid off in
November 2056

Includes $2,606 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,140 a month

  • Tight

    $1,140 to $1,466 a month

    Your payment · 34%

  • Hard

    more than $1,466 a month

Compared with the typical household income in Williamsport ($48,851 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,387
Principal & interest$1,026
Property tax$228
Home insurance$64
FHA mortgage insurance (MIP)$68

You need at least $5,401 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

Williamsport and Lycoming County

Williamsport is in Lycoming 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).

Williamsport's own numbers

Typical home value
$154,300
Typical monthly rent
$855
Typical yearly household income
$48,851
Households that own their home
43%
Effective property tax rate
1.77%

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

Numbers for all of Lycoming County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,217
Price change over 5 years (FHFA)
+39%
Homes in a high flood-risk zone
9.4%

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 Lycoming County.

Everything about Lycoming County

Buying

Buying a home in Williamsport

A typical home in Williamsport is worth $154,300: 24% below the county and 39% below Pennsylvania. With the typical household income in Williamsport ($48,851 a year), a typical home costs 3.2 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.

  • Williamsport 3.2 years
  • Lycoming 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 Lycoming County

According to FHFA’s house price index, home prices in Lycoming County rose 53% in the 10 years through 2025.

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

Period County Pennsylvania U.S.
Last year (2025) +2.8% +4.7% +2.9%
5 years (2020–2025) +39% +48% +47%
10 years (2015–2025) +53% +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

Williamsport next to Lycoming 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
  • Williamsport $154,300
  • Lycoming $202,200
  • Pennsylvania $254,500
  • United States $332,700
Typical monthly rent
  • Williamsport $855
  • Lycoming $913
  • Pennsylvania $1,209
  • United States $1,413
Typical yearly household income
  • Williamsport $48,851
  • Lycoming $63,917
  • Pennsylvania $77,971
  • United States $80,734
See the full table
Williamsport next to Lycoming County and Pennsylvania
Measure Williamsport Lycoming County Pennsylvania U.S.
Typical home value $154,300 $202,200 $254,500 $332,700
Typical monthly rent $855 $913 $1,209 $1,413
Typical yearly household income $48,851 $63,917 $77,971 $80,734
Households that own their home 43% 69% 69% 65%
Typical yearly property tax $2,737 $2,649 $3,311 $3,119
Effective property tax rate 1.77% 1.31% 1.3% 0.94%
Renters with high rent for their income 50% 47% 48% 51%

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

For a typical $154,300 home in Williamsport, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Williamsport's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,386a month

    Least cash to close
    Down payment
    $5,401
    Cash to close
    $10,030
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $68

  • Conventional, 5% down $1,358a month

    Down payment
    $7,715
    Cash to close
    $12,344
    Rate
    7.18%
    Mortgage insurance
    PMI · $73

  • Conventional, 20% down, no PMI $1,128a month

    Down payment
    $30,860
    Cash to close
    $35,489
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,271a month

    Down payment
    $23,145
    Cash to close
    $27,774
    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 Williamsport and for Lycoming County.

Property tax

Effective rate in Williamsport

1.77%of the home’s value each year

$2,737 a year for the typical owner in Williamsport.

  • Williamsport 1.77%
  • Lycoming 1.31%
  • Pennsylvania 1.3%

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

Exemptions and deadlines in Pennsylvania

Flood risk in Lycoming County

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

Homes in the high-risk zone
9.4%
3,695
Of those, with NFIP insurance
16%
County Pennsylvania U.S.
Homes in the high-risk zone 9.4% 2% 3.5%
Of those, with NFIP insurance 16% 23% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Williamsport

Typical rent in Williamsport is $855 a month: 6% below the county. In Williamsport, 50% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Lycoming County, by unit size. To pay the 2-bedroom one ($1,217 a month) without spending more than 30% of your income, you would need to earn $23.40 an hour working full time.

HUD fair market rent for all of Lycoming 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 $847 $16.29 $33,880
1 bedroom $1,005 $19.33 $40,200
2 bedrooms $1,217 $23.40 $48,680
3 bedrooms $1,623 $31.21 $64,920
4 bedrooms $1,792 $34.46 $71,680

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 Williamsport

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Williamsport is in ZIP code 17701.

For 2 bedrooms it is $1,260: $43 more than the fair market rent for Lycoming County ($1,217).

  • 17701 $1,260$1,680

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

HUD lists 14 buildings with rents for lower incomes in Williamsport. These are the largest.

  • William Hepburn Apts 400 Lycoming St, Williamsport 17701 237 low-income homes · Run by Housing Authority of the County of Lycoming · Average payment: $390 a month · Average wait: 9 months (570) 323-3755
  • Newberry Estates 2500 Federal Ave, Williamsport 17701 200 homes, 163 low-income · 1 bd: 40 · 2 bd: 100 · 3 bd: 60 · In service since 2013 · For families (570) 323-8910
  • Williamsport Housing Elderly 798 W Edwin St, Williamsport 17701 101 homes, 100 low-income · For older adults (570) 326-7300
  • Williamsport Manor 450 Center St, Williamsport 17701 101 homes, 100 low-income · 1 bd: 100 · In service since 1996 · For older adults (570) 326-7273
  • Timberland Apts 500 Lycoming St, Williamsport 17701 100 homes, 99 low-income · For families (570) 326-5452

See all 18 buildings in Lycoming County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Williamsport

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

A grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in Williamsport

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

Which programs do I qualify for? All programs in Pennsylvania

Housing counselors near Williamsport

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

  • The Home Foundation

    226 E Nittany Ave, State College · 53 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (814) 954-4215

  • Schuylkill Community Action

    225 N Centre St, Pottsville · 58 miles away · Spanish

    • Mortgage delinquency and default
    • Home improvement and repairs
    • and 5 more
    (570) 622-1995

  • Commission on Economic Opportunity of Luzerne County

    165 Amber Ln, Wilkes Barre · 60 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 2 more
    (570) 826-0510

All counseling agencies in Pennsylvania

Help in Spanish near Williamsport

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 Williamsport

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

  • Housing Authority of the County of Lycoming Public housing and Section 8 vouchers (570) 323-3755

All housing agencies in Pennsylvania Source: HUD

Cities

Other cities in Lycoming County

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

Everything about Lycoming County Housing in Pennsylvania

Nearby cities

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

Neighboring counties

If Lycoming 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 Williamsport.

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

Questions

Housing questions about Williamsport

Short answers with the numbers for Williamsport and all of Lycoming 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 Williamsport?

The typical home value in Williamsport is $154,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Lycoming County it is $202,200.

How much does it cost to rent in Williamsport?

Typical rent in Williamsport is $855 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Lycoming County is $1,217.

What is the FHA loan limit in Williamsport?

Williamsport uses the FHA limit for all of Lycoming 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 Williamsport?

The typical homeowner in Williamsport pays $2,737 a year, according to the U.S. Census Bureau. That is 1.77% of the home’s value; in Lycoming County, the rate is 1.31%.

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

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