McKean County, PA Average Home Price (2026)
The average home price in McKean County, Pennsylvania is about $145,000 (the 2026 median across 12 ZIP codes, at ~$107/sq ft) — 39% more affordable than the Pennsylvania median and 50% more affordable than the typical U.S. home.
How McKean County compares
McKean County is relatively affordable for housing nationally: its typical home costs $145,000 against $238,000 for Pennsylvania and $289,000 for the U.S. Within the county, ZIP-level values run from about $99,000 to $395,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| McKean County | $145,000 | $107 |
| Pennsylvania | $238,000 | $165 |
| United States | $289,000 | $193 |
McKean County home prices by ZIP code
The 12 most valuable ZIP codes in McKean County (of 12 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 16727 Derrick City | $395,000 | $208 | +172% |
| 16732 Gifford | $251,000 | $132 | +73% |
| 16726 Cyclone | $234,000 | $123 | +61% |
| 16740 Mount Jewett | $205,000 | $108 | +41% |
| 16738 Lewis Run | $201,000 | $106 | +39% |
| 16333 Ludlow | $160,000 | $84 | +10% |
| 16743 Port Allegany | $130,000 | $95 | -10% |
| 16749 Smethport | $121,000 | $100 | -17% |
| 16701 Bradford | $111,000 | $111 | -23% |
| 16731 Eldred | $111,000 | $113 | -23% |
| 16735 Kane | $109,000 | $86 | -25% |
| 16733 Hazel Hurst | $99,000 | $52 | -32% |
Home value appreciation in McKean County
Home prices in McKean County have risen about 66% over the last 10 years (≈5.2% a year) and +66.9% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +4.1% — still rising. A home worth $145,000 today was worth roughly $87,244 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 McKean County
Run the numbers for McKean County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in McKean County
To buy the typical $145,000 home in McKean County with 20% down, you need a household income of roughly $39,000 a year (about $920 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $47,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $7,300 | $1,140/mo | $49,000/yr |
| 10% (+PMI) | $14,500 | $1,090/mo | $47,000/yr |
| 20% | $29,000 | $920/mo | $39,000/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 McKean County
At about $107 per square foot, here is roughly how much home different budgets get you in McKean County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 1400 sq ft | around the typical home here |
| $200k | 1870 sq ft | above the median — larger homes or the pricier ZIPs |
| $250k | 2340 sq ft | above the median — larger homes or the pricier ZIPs |
| $300k | 2800 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 McKean County
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McKean 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.