Centre County, PA Average Home Price (2026)
The average home price in Centre County, Pennsylvania is about $280,500 (the 2026 median across 28 ZIP codes, at ~$168/sq ft) — 18% more expensive than the Pennsylvania median and 3% more affordable than the typical U.S. home.
How Centre County compares
Centre County is about average for housing nationally: its typical home costs $280,500 against $238,000 for Pennsylvania and $289,000 for the U.S. Within the county, ZIP-level values run from about $133,000 to $437,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Centre County | $280,500 | $168 |
| Pennsylvania | $238,000 | $165 |
| United States | $289,000 | $193 |
Centre County home prices by ZIP code
The 15 most valuable ZIP codes in Centre County (of 28 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 16870 Port Matilda | $437,000 | $253 | +56% |
| 16827 Boalsburg | $429,000 | $215 | +53% |
| 16803 State College | $418,000 | $205 | +49% |
| 16801 State College | $415,000 | $227 | +48% |
| 16851 Lemont | $383,000 | $194 | +37% |
| 16875 Spring Mills | $357,000 | $153 | +27% |
| 16865 Pennsylvania Furnace | $352,000 | $222 | +25% |
| 16828 Centre Hall | $340,000 | $191 | +21% |
| 16877 Warriors Mark | $318,000 | $189 | +13% |
| 16868 Pine Grove Mills | $314,000 | $281 | +12% |
| 16823 Bellefonte | $311,000 | $177 | +11% |
| 16844 Julian | $294,000 | $134 | +5% |
| 16882 Woodward | $291,000 | $153 | +4% |
| 16835 Fleming | $281,000 | $148 | +0% |
| 16841 Howard | $280,000 | $194 | +0% |
Home value appreciation in Centre County
Home prices in Centre County have risen about 65% over the last 10 years (≈5.1% a year) and +100.1% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +2.8% — still rising. A home worth $280,500 today was worth roughly $170,517 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, Pennsylvania is +76.8% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Centre County
Run the numbers for Centre County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Centre County
To buy the typical $280,500 home in Centre County with 20% down, you need a household income of roughly $76,000 a year (about $1,780 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $91,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $14,000 | $2,210/mo | $95,000/yr |
| 10% (+PMI) | $28,100 | $2,120/mo | $91,000/yr |
| 20% | $56,100 | $1,780/mo | $76,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in Centre County
At about $168 per square foot, here is roughly how much home different budgets get you in Centre County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 890 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1190 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1490 sq ft | around the typical home here |
| $300k | 1790 sq ft | around the typical home here |
| $400k | 2380 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to Pennsylvania.
Estimate a specific home in Centre County
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Centre County home prices: frequently asked
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Browse all Pennsylvania cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.