Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$306,578+2.6% YoY · prices are rising
Market right nowBalanced, leaning buyersMore homes for sale than last year, 22% have cut their price
Income needed to buy, per year$66,460About 0.8× the local median income ($81,272): affordable for a typical household
Days on market43 daysSlower than a year ago: buyers have time to negotiate
Next 12 months+2.7%Zillow expects prices to rise slightly
The typical home in Harrisburg-Carlisle, PA is worth $306,578, up 2.6% from a year ago. That is well above what local incomes have historically supported: fair value is about $275,263, so the area is 11.4% overvalued. It is a balanced market, leaning toward buyers: homes take about 43 days to sell, listings are up 14% from a year ago, 22% of listings have had a price cut. Zillow expects prices to rise about 2.7% over the next year. A household needs about $66,460 a year to afford the typical home here at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $81,272. Typical rent is $1,481 a month, or $1,848 for a house. In the latest IRS figures, 1,764 more people moved in than out.
Home value over time
Solid: typical home value · dashed: fair value (household income × the 20-year average price-to-income ratio). Sources: FHFA, Zillow, U.S. Census Bureau.
Prices and affordability
Typical home value
$306,578
Change in 1 year
+2.6%
Overvalued %
+11.4%
Show 7 more
Fair home value
$275,263
Change in 5 years
+31.2%
Zillow forecast, next 12 months
+2.7%
Home value to income
3.8×
Monthly mortgage payment (20% down)
$1,661
Income needed to afford it
$66,460
Property tax rate
1.26%
Rent and investing
Typical rent
$1,481
Typical rent for houses
$1,848
Price-to-rent ratio
17.3×
Show 3 more
HUD Fair Market Rent, 2 bedrooms
$1,598
Gross rental yield
5.80%
Cap rate (estimate)
3.77%
Market activity
Listings vs a year ago
+13.5%
Days on market
43
Listings with a price cut
21.6%
Show 3 more
Homes for sale
1,130
Pending sales per 100 listings
65
Asking price per sq ft
$172
People and jobs
Median household income
$81,272
Population change (1 year)
+0.5%
Unemployment rate
4.0%
Show 4 more
Population
617,427
Income adjusted for cost of living
$82,342
Net moves in (IRS)
+1,764
Cost of living (US = 100)
98.7
Schools, risk and environment
School rating (1 to 10)
4.9
FEMA hazard risk score (0 to 100)
86.0
Unhealthy air days a year
0
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Flood risk score
91.2
Wildfire risk score
41.8
Walkability (1 to 20)
10.0
Road, rail and air noise
53 dB
Questions people ask
Is Harrisburg-Carlisle, PA overvalued?
Home prices in Harrisburg-Carlisle, PA are well above what local incomes have historically supported: fair value is about $275,263, so the area is 11.4% overvalued.
Is Harrisburg-Carlisle, PA a buyer's or seller's market?
Harrisburg-Carlisle, PA is a balanced market, leaning toward buyers: homes take about 43 days to sell, listings are up 14% from a year ago, 22% of listings have had a price cut.
Are home prices going down in Harrisburg-Carlisle, PA?
Home values in Harrisburg-Carlisle, PA are up 2.6% over the last year. Zillow's forecast for the next 12 months is +2.7%.
How much do you need to earn to buy a home in Harrisburg-Carlisle, PA?
A household needs about $66,460 a year to afford the typical home in Harrisburg-Carlisle, PA at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $81,272.