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City · 8,183 residents · Northampton County, Pennsylvania

Wilson , Pennsylvania

In Wilson, a typical home is worth $210,700 and typical rent is $1,370 a month. Compared with all of Northampton County, the typical home value is 32% lower, typical household income is 7% lower, and the share of households that own their home is 12 points lower.

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  • Typical home value

    $210,700

    32% below the county

    17% below Pennsylvania

    • Wilson
    • Northampton
    • Pennsylvania

  • Typical rent

    $1,370a month

    About the same as the county

    13% above Pennsylvania

    • Wilson
    • Northampton
    • Pennsylvania

  • Typical household income

    $82,902a year

    7% below the county

    6% above Pennsylvania

    • Wilson
    • Northampton
    • Pennsylvania

  • Households that own their home

    59%

    12 points below the county

    10 points below Pennsylvania

    • Wilson
    • Northampton
    • Pennsylvania

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

Wilson is in Northampton 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 Northampton County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Wilson apart

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

  1. The typical home in Wilson is worth $210,700, 32% less than in Northampton County as a whole ($308,600).

  2. 59% of households in Wilson own their home, against 71% in Northampton County.

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

The homes here

Housing in Wilson

What homes there are in Wilson, 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 here are varied: attached houses (townhouses) are 47% of them, more than in Northampton County (20%), and no kind reaches half.

Year built

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

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

$1,549 a month

Northampton County: $1,957 a month

Without a mortgage

$541 a month

Northampton County: $766 a month

Owners with a mortgage

72%

Northampton County: 60%

The typical cost for an owner with a mortgage in Wilson is $1,549 a month, less than in Northampton County ($1,957); without one, $541.

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

Since 2015–2019, homes in Wilson gained value faster than in Northampton County: 62% against 40%.

The typical rent in Wilson rose 35% over the same time; in Northampton County, it rose 29%.

Housing prices ran ahead of income in Wilson: typical income rose 24%, against +62% for home values and +35% for rent.

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

MeasureWilsonNorthampton CountyPennsylvaniaUnited States
Rental vacancy Unreliable estimate2.5%4.9%5.5%
Homeowner vacancy Unreliable estimate0.7%0.8%0.9%
More than one person per room Unreliable estimate1.3%1.6%3.4%
People per household 2.802.492.392.53
Drive alone 73%75%68%69%
Carpool 8%6%8%9%
Public transit Unreliable estimate1%4%3%
Walk or bike Unreliable estimate2%4%3%
Work from home Unreliable estimate14%16%15%
Other means Unreliable estimate2%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in Wilson are bigger: 2.80 people on average; in Northampton County, 2.49.

In Wilson, 73% of workers drive alone to work; in Northampton County, 75%.

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 Wilson?

A typical home is within reach of the typical income

We start with a typical home in Wilson, worth $210,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 27% of the typical household income in Wilson, which is $82,902 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Wilson. 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 $7,375 (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

$1,842

at 7.18% · 30 years

Loan amount
$206,883
Total interest
$297,656
Paid off in
November 2056

Includes $3,558 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,934 a month

    Your payment · 27%

  • Tight

    $1,934 to $2,487 a month

  • Hard

    more than $2,487 a month

Compared with the typical household income in Wilson ($82,902 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,842
Principal & interest$1,401
Property tax$260
Home insurance$88
FHA mortgage insurance (MIP)$93

You need at least $7,375 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

Wilson and Northampton County

Wilson is in Northampton 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).

Wilson's own numbers

Typical home value
$210,700
Typical monthly rent
$1,370
Typical yearly household income
$82,902
Households that own their home
59%
Effective property tax rate
1.48%

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

Numbers for all of Northampton County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,839
Price change over 5 years (FHFA)
+59%
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 Northampton County.

Everything about Northampton County

Buying

Buying a home in Wilson

A typical home in Wilson is worth $210,700: 32% below the county and 17% below Pennsylvania. With the typical household income in Wilson ($82,902 a year), a typical home costs 2.5 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.

  • Wilson 2.5 years
  • Northampton 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 Northampton County

According to FHFA’s house price index, home prices in Northampton County rose 92% in the 10 years through 2025.

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

Period County Pennsylvania U.S.
Last year (2025) +6.2% +4.7% +2.9%
5 years (2020–2025) +59% +48% +47%
10 years (2015–2025) +92% +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

Wilson next to Northampton 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
  • Wilson $210,700
  • Northampton $308,600
  • Pennsylvania $254,500
  • United States $332,700
Typical monthly rent
  • Wilson $1,370
  • Northampton $1,395
  • Pennsylvania $1,209
  • United States $1,413
Typical yearly household income
  • Wilson $82,902
  • Northampton $89,184
  • Pennsylvania $77,971
  • United States $80,734
See the full table
Wilson next to Northampton County and Pennsylvania
Measure Wilson Northampton County Pennsylvania U.S.
Typical home value $210,700 $308,600 $254,500 $332,700
Typical monthly rent $1,370 $1,395 $1,209 $1,413
Typical yearly household income $82,902 $89,184 $77,971 $80,734
Households that own their home 59% 71% 69% 65%
Typical yearly property tax $3,124 $4,700 $3,311 $3,119
Effective property tax rate 1.48% 1.52% 1.3% 0.94%
Renters with high rent for their income 47% 50% 48% 51%

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

For a typical $210,700 home in Wilson, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Wilson's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,842a month

    Least cash to close
    Down payment
    $7,375
    Cash to close
    $13,696
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $93

  • Conventional, 5% down $1,804a month

    Down payment
    $10,535
    Cash to close
    $16,856
    Rate
    7.18%
    Mortgage insurance
    PMI · $100

  • Conventional, 20% down, no PMI $1,490a month

    Down payment
    $42,140
    Cash to close
    $48,461
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,684a month

    Down payment
    $31,605
    Cash to close
    $37,926
    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 Wilson and for Northampton County.

Property tax

Effective rate in Wilson

1.48%of the home’s value each year

$3,124 a year for the typical owner in Wilson.

  • Wilson 1.48%
  • Northampton 1.52%
  • Pennsylvania 1.3%

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

Exemptions and deadlines in Pennsylvania

Flood risk in Northampton County

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

Homes in the high-risk zone
1.1%
1,124
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 Wilson

Typical rent in Wilson is $1,370 a month: about the same as the county. In Wilson, 47% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Northampton County, by unit size. To pay the 2-bedroom one ($1,839 a month) without spending more than 30% of your income, you would need to earn $35.37 an hour working full time.

HUD fair market rent for all of Northampton 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 $1,302 $25.04 $52,080
1 bedroom $1,519 $29.21 $60,760
2 bedrooms $1,839 $35.37 $73,560
3 bedrooms $2,306 $44.35 $92,240
4 bedrooms $2,482 $47.73 $99,280

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 Wilson

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Wilson is in ZIP code 18042.

For 2 bedrooms it is $1,900: $61 more than the fair market rent for Northampton County ($1,839).

  • 18042 $1,900$2,380

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

Free help

Help to buy or rent in Wilson

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 Northampton County; 1 says it serves in Spanish.

A man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in Wilson

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

Which programs do I qualify for? All programs in Pennsylvania

Housing counselors near Wilson

The HUD-approved agencies closest to the center of Wilson, 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 · 1 miles away

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

  • Community Action Committee of Lehigh Valley, Inc.

    1337 E 5th St, Bethlehem · 8 miles away · Spanish

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

  • Bucks County Housing Group

    626 Jacksonville Rd, Warminster · 33 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (215) 394-8259

Every agency in Northampton County All counseling agencies in Pennsylvania

Help in Spanish near Wilson

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 Wilson

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

  • Northampton County Housing Authority Public housing and Section 8 vouchers (610) 965-4514

2 other authorities have an office in Northampton County: see the list Source: HUD

Cities

Other cities in Northampton County

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

Everything about Northampton County Housing in Pennsylvania

Nearby cities

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

Neighboring counties

If Northampton 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 Wilson.

All guides
A smiling girl holds up a small mushroom she found on a forest outing.

Questions

Housing questions about Wilson

Short answers with the numbers for Wilson and all of Northampton 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 Wilson?

The typical home value in Wilson is $210,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Northampton County it is $308,600.

How much does it cost to rent in Wilson?

Typical rent in Wilson is $1,370 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Northampton County is $1,839.

What is the FHA loan limit in Wilson?

Wilson uses the FHA limit for all of Northampton 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 Wilson?

The typical homeowner in Wilson pays $3,124 a year, according to the U.S. Census Bureau. That is 1.48% of the home’s value; in Northampton County, the rate is 1.52%.

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

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