What's a healthy ratio in Pennsylvania?

Under 3.0 is considered affordable; 3.0-4.0 moderate; 4.0-5.0 seriously unaffordable; over 5.0 severely unaffordable.

Does this account for interest rates?

No, price-to-income is rate-agnostic so it stays comparable across cycles.

What if my income is higher?

Your personal ratio matters more than the market median. Use it as a relative comparison.

Buyer authority PA

Most affordable cities for home buyers in Pennsylvania.

Affordability = how many years of household income buys the median home. This ranks Pennsylvania cities by price-to-income ratio (lower = more affordable).

Last updated November 2026

Pennsylvania ranking

50 cities ranked. Click any row for the matching local page.

#	City	Price-to-income ratio	Score
1	Villanova	2.0x income	100	View →
2	Berwyn	2.4x income	94	View →
3	Bryn Mawr	2.4x income	93	View →
4	Chester Springs	2.4x income	93	View →
5	Wynnewood	2.5x income	92	View →
6	Bala Cynwyd	2.5x income	92	View →
7	Narberth	2.5x income	92	View →
8	Malvern	2.6x income	91	View →
9	Wexford	2.5x income	91	View →
10	Landenberg	2.5x income	91	View →
11	Jamison	2.6x income	91	View →
12	New Hope	2.6x income	90	View →
13	Newtown Square	2.7x income	89	View →
14	Blue Bell	2.6x income	89	View →
15	Garnet Valley	2.7x income	89	View →
16	Lafayette Hill	2.7x income	89	View →
17	Richboro	2.6x income	89	View →
18	Chadds Ford	2.6x income	89	View →
19	Wayne	2.7x income	88	View →
20	Newtown	2.7x income	88	View →
21	Venetia	2.7x income	88	View →
22	Sewickley	2.8x income	87	View →
23	Lincoln University	2.8x income	87	View →
24	Center Valley	2.8x income	87	View →
25	Ambler	2.8x income	86	View →
26	Mars	2.8x income	86	View →
27	Avondale	2.9x income	86	View →
28	Glenmoore	2.8x income	86	View →
29	Kennett Square	2.9x income	85	View →
30	Jenkintown	2.9x income	85	View →
31	Swarthmore	2.9x income	85	View →
32	Chalfont	2.9x income	84	View →
33	Huntingdon Valley	2.9x income	84	View →
34	Glen Mills	2.9x income	84	View →
35	Collegeville	3.0x income	83	View →
36	Exton	3.0x income	83	View →
37	Murrysville	3.0x income	83	View →
38	Wallingford	3.0x income	83	View →
39	Doylestown	3.1x income	82	View →
40	Harleysville	3.1x income	82	View →
41	Warrington	3.1x income	82	View →
42	Orefield	3.1x income	82	View →
43	Morrisville	3.1x income	81	View →
44	Gibsonia	3.1x income	81	View →
45	Springfield	3.2x income	81	View →
46	Hummelstown	3.1x income	81	View →
47	Plymouth Meeting	3.2x income	81	View →
48	Ardmore	3.2x income	81	View →
49	Cranberry Twp	3.2x income	80	View →
50	Elkins Park	3.2x income	80	View →

Methodology

Ratio = estimated home value ÷ average household income (Census ACS). Demographia bands (under 3.0 affordable, over 5.0 severely unaffordable) are designed around medians, so treat these as directional. Cities whose true median home value likely exceeds the dataset's modeled value (e.g. SF Bay, Manhattan) are flagged in their state pages.

FAQ

What's a healthy ratio in Pennsylvania?: Under 3.0 is considered affordable; 3.0-4.0 moderate; 4.0-5.0 seriously unaffordable; over 5.0 severely unaffordable.
Does this account for interest rates?: No, price-to-income is rate-agnostic so it stays comparable across cycles.
What if my income is higher?: Your personal ratio matters more than the market median. Use it as a relative comparison.