Cost of Living in Northumberland County, Pennsylvania
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
How Northumberland County Compares
Median monthly rent comparison
Detailed Housing Stats
National Ranking
Affordability Rank
Northumberland County ranks #1,434 of 3,144 counties for affordability (top 46%)
Data Story
About Cost of Living in Northumberland County, Pennsylvania
Northumberland Beats National Affordability
Renters here spend just 16.1% of income on housing, better than the national average and below Pennsylvania's 16.5% state average. With a median household income of $57,948—trailing the national median of $74,755—Northumberland residents are still managing housing costs more efficiently than many peers across the country.
Middle of the Pack Statewide
Northumberland ranks mid-tier among Pennsylvania counties for housing affordability, with a rent-to-income ratio near the state average. The county's $777 monthly median rent is substantially below the state median of $960, helping offset slightly lower household incomes.
Affordable Compared to Rural Peers
Northumberland's $777 rent aligns closely with nearby Potter County ($767) and Schuylkill County ($842), making it a reliable option in rural Pennsylvania. Median home values here ($151,600) fall between Potter County ($146,200) and nearby counties, reflecting stable rural housing markets.
Housing Takes 16% of Paychecks
At $57,948 median household income, renters allocate $777 monthly to gross rent, while homeowners pay $792 in ownership costs. Together, these figures show housing consumes roughly 16% of household income—a manageable burden compared to national standards where 30% is considered affordable.
Consider Northumberland for Stability
If you're relocating to Pennsylvania and seeking affordable rentals with stable incomes, Northumberland offers lower rents than the state average without the affordability crisis facing urban centers. Compare it to Philadelphia's 26.2% rent-to-income ratio and you'll see the significant cost-of-living advantage rural areas provide.
Cost of Living Advisory: Northumberland County
Affordability Verdict
Northumberland County offers affordable rental housing at a median of $777/month — about 16.1% of the typical household income here.
Rent vs. Own
Renters in Northumberland County pay $777/month on average, compared to $792/month for homeowners. This market favors renters by about 2%.
Income Needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $31,080/year. For owner costs at the 28% rule, the required income is roughly $33,943/year. With a median household income of $57,948, most households can comfortably afford rent here. Notably, 25.0% of renter households in Northumberland County are cost-burdened, spending more than 30% of income on housing.
Regional Context
Within Pennsylvania, Northumberland County is more affordable than Elk County by roughly 8% ($777/mo vs $720/mo).
Affordability Calculator
See how your income compares to housing costs in Northumberland County
Rent Burden
16.1%
of gross income
Max Housing (28% Rule)
$1,352
per month
Owner Cost Burden
16.4%
of gross income
You can likely afford the median home in Northumberland County
Median home value is $151,600. Estimated monthly cost: $1,210 vs. your max of $1,352.
Rent Affordability Guide
Income Needed Calculator
See how much you need to earn to comfortably afford housing
$0/yr
Needed to stay within recommended threshold
$0/yr
Needed to stay within recommended threshold
$0/yr
Needed to stay within recommended threshold
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 Northumberland County, Pennsylvania?
What is the median rent in Northumberland County?
Is Northumberland County affordable?
How does Northumberland County's rent compare to the state average?
What is the median home value in Northumberland County?
Counties with Similar Housing Costs
Planning a Move?
Researching the cost of living in Northumberland County, Pennsylvania? Compare moving quotes from top providers and save on your relocation.
Compare Moving QuotesCompare Mortgage Rates in Northumberland County
Whether you're buying your first home or refinancing, compare rates from top lenders to find the best deal.
See Today's RatesData: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.
CostByCounty participates in affiliate programs. We may earn a commission when you use our links, at no extra cost to you.