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City Housing Verdict

Gilbertsville, PA

High Pressure

Living in Gilbertsville, PA costs about 20% more than the national average (Cost Index: 120). Housing is the main driver — the typical home value of $484,093 is well above the $303,400 US median. The local median household income is $117,426, which helps frame the place-side housing burden.

Gilbertsville already reads as a high-pressure housing market, with 11% rent burden, 4.1x home-price-to-income, and a housing index of 160. Treat this page as a stress test for rent, mortgage, and tax burden before assuming the move works.Data Sources: U.S. Census Bureau ACS 2023 · BEA RPP 2023 · Zillow ZHVI

Data Updated: March 2026
Housing Feasibility Verdict
Safe

Based on your household income, housing mode, local rent, home value, property tax, and mortgage assumptions for Gilbertsville.

Monthly Housing
$1,089/mo
Lower of rent or buy scenario
Housing Burden
11%
Healthy
Residual Cash
$8,197/mo
After housing and debt · $2,732/person
Rent vs Buy
Renting is the lower-pressure baseline
Main pressure: home prices
Assumptions
Housing Mode
Confidence: MediumHome source: ZILLOWRent source: ACSBEA proxy: msaHousehold size: 3Down payment: 20%Fixed burden: 16%
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Cost Index
120
Expensive
Based on housing costs · See methodology
Median Home Value
$484,093
Zillow ZHVI Market Rate • Census ACS: $354,700
National: $303,400
Median Rent
$1,089/mo
Source: Census ACS
National: $1,348/mo
Household Income
$117,426
National: $78,538
Population
5,999
Purchasing Power
125
100 = national baseline

Cost of Living Breakdown

Each index uses 100 as the US national average. A score of 150 means 50% more expensive; 80 means 20% cheaper.

Housing Cost Index
160 / 100
60% above average
Rent Index
81 / 100
19% below average
Goods & Groceries
97 / 100
About the same as most US cities
Utilities
114 / 100
14% higher utility bills
Healthcare & Services
103 / 100
In line with national average
Overall Index
120
Expensive · 20% above average

Gilbertsville Mortgage Calculator

Pre-filled with the local median home value of $484,093 and Pennsylvania's property tax rate of 1.58%.

Household Housing Budget

Local median household income is shown only as a place-side affordability input. Personal salary, filing status, and take-home pay analysis belong in salary.city.

Local Household Income
$117,426
Census ACS place context
Rent Burden Estimate
11%
Typical annual rent / local household income
Home Price to Income
4.1x
Typical home value / local household income
Use this section to judge whether Gilbertsville looks structurally manageable for a household budget. For a specific job offer, filing status, payroll taxes, or salary equivalence across cities, run the income-side decision in salary.city.

Property Tax in Gilbertsville, PA

Est. Annual Property Tax
$7,649
Monthly Impact
$637
Added to your mortgage
Effective Rate
1.58%
National avg: ~1.00%

Pennsylvania Place Tax Context

Tax TypePennsylvaniaNational Avg
Property Tax Rate1.58%1.00%
Top Income Tax Rate3.07%~5.0%
State Sales Tax6.34%~5.0%

Compare Gilbertsville to Another City

Compare place-side costs such as housing, rent, groceries, utilities, services, and tax context.

Cost of Living Comparison

Compare place-side housing, rent, goods, services, and utility pressure between cities.

Gilbertsville, PA
120
81
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Cost Index Comparison (100 = National Avg)

Housing CostsNational Avg: 100
Gilbertsville, PA: 160
Rent Prices
81

FAQ: Living in Gilbertsville

Is Gilbertsville, PA an expensive place to live?+

Yes — Gilbertsville is about 20% more expensive than the national average, with an overall Cost Index of 120. Housing is the biggest factor: the typical home here is valued around $484,093, and monthly rents average roughly $1,089. Day-to-day costs like groceries and utilities tend to run closer to the national norm.

How does Gilbertsville fit a household housing budget?+

Start with housing. Typical monthly rent is $1,089, while local median household income is $117,426. That implies a rent-burden proxy of about 11% before utilities and other costs. For a specific job offer, filing status, or take-home pay scenario, use salary.city.

How much are taxes in Gilbertsville, PA?+

Pennsylvania has a progressive state income tax with a top rate of 3.07%. The effective property tax rate is 1.58%. On a home worth $484,093, that translates to roughly $7,649 per year in property taxes. Sales tax (state + local) averages around 6.34% on everyday purchases.

How much does it cost to rent in Gilbertsville, PA?+

The typical monthly rent in Gilbertsville is around $1,089. That's roughly 19% lower than the $1,348 national median. For comparison, the median home value here is $484,093, so buyers should also factor in mortgage payments, property taxes, and insurance.

How much does a house cost in Gilbertsville, PA?+

The median home in Gilbertsville is valued at $484,093. With 20% down and a 6.5% mortgage rate, you'd be looking at roughly $2,448/month for principal and interest alone — before property taxes and insurance. About 82% of residents here own their homes.

Are groceries and utilities expensive in Gilbertsville?+

Grocery prices in Gilbertsville are about average compared to the rest of the US (index: 97, where 100 is the national average). Utility bills (electricity, gas, water) are on the high side (index: 114). Overall, these everyday costs shouldn't cause major surprises if you're moving from another similarly-sized US city.

What is Gilbertsville, PA like to live in?+

Gilbertsville is a small town with a population of about 5,999. The median age of residents is 39.4, which is close to the national median. The local poverty rate is 3.37%, well below the national average of 12.4%.

Lower-Pressure Alternatives in Pennsylvania

If Gilbertsville feels tight, start with these same-state cities that look easier on rent burden or buy-side pressure.

Higher-Pressure Comparisons in Pennsylvania

Use these city pages when you want to compare Gilbertsville against tougher same-state markets before deciding whether the current city is already a stretch.

LC
Reviewed by LivabilityCalc Research Team
Financial Data Analysts · Census & Economic Data Specialists
Data Sources & Methodology
  • Real Estate & Housing: Zillow Home Value Index (ZHVI, Smoothed & Seasonally Adjusted) and Zillow Observed Rent Index (ZORI). Structural fallback utilizes U.S. Census Bureau ACS 5-Year Estimates.
  • Goods, Utilities & Services: U.S. Bureau of Economic Analysis (BEA) Metropolitan Area Regional Price Parities (MARPP), incorporating verified State Nonmetropolitan averages.
  • Mortgage Rates: Freddie Mac 30-Year Fixed Rate Mortgage Average in the United States (PMMS) via Federal Reserve Economic Data (FRED).
  • Tax Context: State-level property, sales, and income-tax context used for place-side relocation planning. Personal take-home pay and offer analysis are handled by salary.city.
  • Index Methodology: Weighting matrix derived from Bureau of Labor Statistics (BLS) Consumer Expenditure Surveys (CEX) distributional models. Baseline standardized at 100. (Read methodology details)
Last data update: March 2026 · Mortgage rates updated monthly