Español

Este sitio también está en español. Leer en español

City · 9,647 residents · Lancaster County, Pennsylvania

Willow Street , Pennsylvania

In Willow Street, a typical home is worth $314,700 and typical rent is $2,672 a month. Compared with all of Lancaster County, typical rent is 97% higher, typical household income is 26% higher, and the share of households that own their home is 29 points lower.

WhatsApp

  • Typical home value

    $314,700

    5% above the county

    24% above Pennsylvania

    • Willow Street
    • Lancaster
    • Pennsylvania

  • Typical rent

    $2,672a month

    97% above the county

    121% above Pennsylvania

    • Willow Street
    • Lancaster
    • Pennsylvania

  • Typical household income

    $109,675a year

    26% above the county

    41% above Pennsylvania

    • Willow Street
    • Lancaster
    • Pennsylvania

  • Households that own their home

    41%

    29 points below the county

    28 points below Pennsylvania

    • Willow Street
    • Lancaster
    • Pennsylvania

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

Market now, with Zillow data

Zillow data
Typical home value
$376,905
3.9% more than 12 months ago
Typical rent
$1,974 a month

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

Willow Street is in Lancaster 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 Lancaster County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Willow Street apart

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

  1. 41% of households in Willow Street own their home, against 70% in Lancaster County.

  2. Willow Street has the 3rd highest typical rent of the 265 cities in Pennsylvania with more than 5,000 people ($2,672).

  3. Nearby, in Columbia, the typical rent is $1,075: 60% less than in Willow Street ($2,672).

  4. Nearby, in Columbia, the typical home value is $196,500: 38% less than in Willow Street ($314,700).

  5. Willow Street has the 12th largest share of rent-burdened renters of the 232 cities in Pennsylvania with more than 5,000 people (68%).

  6. The typical household income in Willow Street is $109,675, 26% more than in Lancaster County as a whole ($86,959).

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

The homes here

Housing in Willow Street

What homes there are in Willow Street, 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

Homes in Willow Street are varied: detached houses are the largest group, at 38%, against 55% in Lancaster County.

Year built

Here half of the homes date from 1989 or later; in Lancaster County, from 1978 or later.

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

$2,010 a month

Lancaster County: $1,818 a month

Without a mortgage

$713 a month

Lancaster County: $702 a month

Owners with a mortgage

56%

Lancaster County: 60%

In Willow Street, 56% of owners have a mortgage, and their typical cost is $2,010 a month, against $1,818 in Lancaster County. Without one it drops to $713.

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 Willow Street rose 27% since 2015–2019, less than in Lancaster County (44%).

Since 2015–2019, the typical rent in Willow Street did not change clearly, according to the Census.

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

MeasureWillow StreetLancaster CountyPennsylvaniaUnited States
Rental vacancy Unreliable estimate2.1%4.9%5.5%
Homeowner vacancy Unreliable estimate0.3%0.8%0.9%
More than one person per room Unreliable estimate2.2%1.6%3.4%
People per household 2.192.552.392.53
Drive alone 77%72%68%69%
Carpool Unreliable estimate10%8%9%
Public transit Unreliable estimate1%4%3%
Walk or bike Unreliable estimate4%4%3%
Work from home 17%12%16%15%
Other means Unreliable estimate2%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Willow Street has 2.19 people, fewer than in Lancaster County (2.55).

In Willow Street, 17% of workers work from home, more than in Lancaster County (12%).

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 Willow Street?

A typical home is tight for the typical income

We start with a typical home in Willow Street, worth $314,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 30% of the typical household income in Willow Street, which is $109,675 a year. For that payment to be 28% of income, a household would need to earn about $117,818 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Willow Street. 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 $11,015 (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

$2,749

at 7.18% · 30 years

Loan amount
$308,999
Total interest
$444,578
Paid off in
November 2056

Includes $5,314 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,559 a month

  • Tight

    $2,559 to $3,290 a month

    Your payment · 30%

  • Hard

    more than $3,290 a month

Compared with the typical household income in Willow Street ($109,675 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,749
Principal & interest$2,093
Property tax$386
Home insurance$131
FHA mortgage insurance (MIP)$139

You need at least $11,015 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

Willow Street and Lancaster County

Willow Street is in Lancaster 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).

Willow Street's own numbers

Typical home value
$314,700
Typical monthly rent
$2,672
Typical yearly household income
$109,675
Households that own their home
41%
Effective property tax rate
1.47%

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

Numbers for all of Lancaster County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,553
Price change over 5 years (FHFA)
+59%
Homes in a high flood-risk zone
0.8%

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 Lancaster County.

Everything about Lancaster County

Buying

Buying a home in Willow Street

A typical home in Willow Street is worth $314,700: 5% above the county and 24% above Pennsylvania. With the typical household income in Willow Street ($109,675 a year), a typical home costs 2.9 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.

  • Willow Street 2.9 years
  • Lancaster 3.5 years
  • Pennsylvania 3.3 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Lancaster County

According to FHFA’s house price index, home prices in Lancaster County rose 93% in the 10 years through 2025.

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

Period County Pennsylvania U.S.
Last year (2025) +5.0% +4.7% +2.9%
5 years (2020–2025) +59% +48% +47%
10 years (2015–2025) +93% +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

Willow Street next to Lancaster 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
  • Willow Street $314,700
  • Lancaster $301,100
  • Pennsylvania $254,500
  • United States $332,700
Typical monthly rent
  • Willow Street $2,672
  • Lancaster $1,357
  • Pennsylvania $1,209
  • United States $1,413
Typical yearly household income
  • Willow Street $109,675
  • Lancaster $86,959
  • Pennsylvania $77,971
  • United States $80,734
See the full table
Willow Street next to Lancaster County and Pennsylvania
Measure Willow Street Lancaster County Pennsylvania U.S.
Typical home value $314,700 $301,100 $254,500 $332,700
Typical monthly rent $2,672 $1,357 $1,209 $1,413
Typical yearly household income $109,675 $86,959 $77,971 $80,734
Households that own their home 41% 70% 69% 65%
Typical yearly property tax $4,633 $3,975 $3,311 $3,119
Effective property tax rate 1.47% 1.32% 1.3% 0.94%
Renters with high rent for their income 68% 46% 48% 51%

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

For a typical $314,700 home in Willow Street, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Willow Street's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,749a month

    Least cash to close
    Down payment
    $11,015
    Cash to close
    $20,456
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $139

  • Conventional, 5% down $2,691a month

    Down payment
    $15,735
    Cash to close
    $25,176
    Rate
    7.18%
    Mortgage insurance
    PMI · $149

  • Conventional, 20% down, no PMI $2,222a month

    Down payment
    $62,940
    Cash to close
    $72,381
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,513a month

    Down payment
    $47,205
    Cash to close
    $56,646
    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 Willow Street and for Lancaster County.

Property tax

Effective rate in Willow Street

1.47%of the home’s value each year

$4,633 a year for the typical owner in Willow Street.

  • Willow Street 1.47%
  • Lancaster 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 Lancaster County

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

Homes in the high-risk zone
0.8%
1,544
Of those, with NFIP insurance
27%
County Pennsylvania U.S.
Homes in the high-risk zone 0.8% 2% 3.5%
Of those, with NFIP insurance 27% 23% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Willow Street

Typical rent in Willow Street is $2,672 a month: 97% above the county. In Willow Street, 68% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Lancaster County, by unit size. To pay the 2-bedroom one ($1,553 a month) without spending more than 30% of your income, you would need to earn $29.87 an hour working full time.

HUD fair market rent for all of Lancaster 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 $1,152 $22.15 $46,080
1 bedroom $1,256 $24.15 $50,240
2 bedrooms $1,553 $29.87 $62,120
3 bedrooms $1,978 $38.04 $79,120
4 bedrooms $2,041 $39.25 $81,640

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 Willow Street

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Willow Street is in ZIP code 17584.

For 2 bedrooms it is $2,210: $657 more than the fair market rent for Lancaster County ($1,553).

  • 17584 $2,210$2,810

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

HUD lists one building with rents for lower incomes in Willow Street.

  • Willow Run Millwood RD, Willow Street 17584 72 homes, 61 low-income · 2 bd: 36 · 3 bd: 36 · In service since 2015 · For families

See all 54 buildings in Lancaster County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Willow Street

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 Lancaster County; 1 says it serves in Spanish.

An older woman smiles in front of her apartment building.

HUD counseling is free or low-cost

Assistance programs in Willow Street

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

Which programs do I qualify for? All programs in Pennsylvania

Housing counselors near Willow Street

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

  • Base,inc.

    447 S Prince St, Lancaster · 4 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 2 more
    (717) 392-5467

  • Tenfold

    308 E King St, Lancaster · 4 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (717) 397-5182

  • Community Progress Council, Inc.

    226 E College Ave, York · 24 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (717) 846-4600

Every agency in Lancaster County All counseling agencies in Pennsylvania

Help in Spanish near Willow Street

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 Willow Street

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

  • Lancaster County Housing Authority Section 8 vouchers (717) 394-0793

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

Cities

Other cities in Lancaster County

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

Everything about Lancaster County Housing in Pennsylvania

Nearby cities

The cities closest to Willow Street, with the typical home value.

Neighboring counties

If Lancaster 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 Willow Street.

All guides
A mother smiles as she carries her young daughter on her shoulders (black and white).

Questions

Housing questions about Willow Street

Short answers with the numbers for Willow Street and all of Lancaster 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 Willow Street?

The typical home value in Willow Street is $314,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Lancaster County it is $301,100.

How much does it cost to rent in Willow Street?

Typical rent in Willow Street is $2,672 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Lancaster County is $1,553.

What is the FHA loan limit in Willow Street?

Willow Street uses the FHA limit for all of Lancaster 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 Willow Street?

The typical homeowner in Willow Street pays $4,633 a year, according to the U.S. Census Bureau. That is 1.47% of the home’s value; in Lancaster County, the rate is 1.32%.

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

There are 2 HUD-approved counseling agencies with an office in Lancaster 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).