Cost of Living in Bedford County, Pennsylvania

$771/mo
Median Monthly Rent
$172,900
Median Home Value

At a Glance

Median Monthly Rent
$771/mo
20% below state average
Median Home Value
$172,900
39% below national
Rent-to-Income Ratio
29.0%
% of income spent on rent

Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)

Affordability Rating
Unaffordable
Rent over 50% of income

How Bedford County Compares

Median monthly rent comparison

Bedford County$771/mo
Pennsylvania Average$960/mo
National Median$1,163/mo

Detailed Housing Stats

$771/mo
Median Gross Rent
$172,900
Median Home Value
$741/mo
Monthly Owner Cost
29.0%
Rent-to-Income Ratio

National Ranking

Affordability Rank

Bedford County ranks #741 of 3,144 counties for affordability (top 24%)

Most AffordableLeast Affordable

Data Story

About Cost of Living in Bedford County, Pennsylvania

Bedford offers genuine rural savings

Bedford County renters spend 15.3% of income on housing, below both the national average and Pennsylvania's state average of 16.5%. At just $771 monthly, median rent reflects rural Pennsylvania's cost advantage, though the median household income of $60,302 trails national averages.

Pennsylvania's rural affordability gem

Bedford ranks in Pennsylvania's affordable tier with a rent-to-income ratio of 15.3% compared to the state average of 16.5%. The county's $771 median rent undercuts the state average by $189, offering genuine savings for budget-conscious households.

Bedford undercuts region averages

Bedford's $771 rent is the lowest in this region—cheaper than Armstrong ($802), Beaver ($867), and significantly below Berks ($1,143). Home values at $172,900 similarly position Bedford as one of the region's most affordable markets.

Bedford's minimal housing burden

Renters allocate just $771 monthly (15.3% of income), while homeowners pay $741 (14.7%)—among the lowest housing costs in Pennsylvania. This leaves Bedford households with exceptional discretionary income relative to their modest earnings.

Bedford for rural Pennsylvania living

Bedford County is ideal for those seeking maximum affordability in a small-town setting, though job opportunities and amenities are more limited than urban alternatives. Compare rent and home values here to nearby counties to find Pennsylvania's best match for your budget.

Cost of Living Advisory: Bedford County

Affordability Verdict

Bedford County offers affordable rental housing at a median of $771/month — about 15.3% of the typical household income here.

Rent vs. Own

The median rent in Bedford County is $771/month, while owner costs run $741/month. Owning saves approximately $30/month.

Income Needed

To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $30,840/year. For owner costs at the 28% rule, the required income is roughly $31,757/year. With a median household income of $60,302, most households can comfortably afford rent here. Notably, 29.0% of renter households in Bedford County are cost-burdened, spending more than 30% of income on housing.

Regional Context

Compared to Elk County where rent averages $720/month, Bedford County is approximately 7% more expensive.

Affordability Calculator

See how your income compares to housing costs in Bedford County

$

Rent Burden

15.3%

of gross income

Max Housing (28% Rule)

$1,407

per month

Owner Cost Burden

14.7%

of gross income

You can likely afford the median home in Bedford County

Median home value is $172,900. Estimated monthly cost: $1,380 vs. your max of $1,407.

Rent Affordability Guide

Your rent-to-income ratio15.3%
Recommended max30.0%

Income Needed Calculator

See how much you need to earn to comfortably afford housing

$
Rent Affordability

$0/yr

Needed to stay within recommended threshold

Median income:$0/yr
Can you afford it? Yes
Your income: $60,302Needed: $30,840
Owner Cost Affordability

$0/yr

Needed to stay within recommended threshold

Median income:$0/yr
Can you afford it? Yes
Your income: $60,302Needed: $31,757
Mortgage Affordability

$0/yr

Needed to stay within recommended threshold

Median income:$0/yr
Can you afford it? Yes
Your income: $60,302Needed: $40,239

Based on the 30% rule for rent and 28% rule for housing costs (mortgage + owner costs). Mortgage estimate assumes 20% down, 7.2% interest, 30-year fixed.

Frequently Asked Questions

What is the cost of living in Bedford County, Pennsylvania?
Bedford County, Pennsylvania has a median monthly rent of $771/mo and a median home value of $172,900. The affordability rating is Unaffordable, with rent making up approximately 29.0% of median household income.
What is the median rent in Bedford County?
The median gross rent in Bedford County is $771/mo. This is 20% below state average for Pennsylvania.
Is Bedford County affordable?
Bedford County is rated Unaffordable based on rent-to-income ratio of 29.0%. Spending over 50% of income on rent is generally considered unaffordable.
How does Bedford County's rent compare to the state average?
Bedford County's median rent of $771/mo is 20% below state average of $960/mo for Pennsylvania.
What is the median home value in Bedford County?
The median home value in Bedford County, Pennsylvania is $172,900. This is 39% below the national median home value of $281,900.

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By Logan Johnson, Founder & Data EditorUpdated Reviewed by Logan Johnson, Founder & Data Editor

Data: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.

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