Real Estate Information Archive

We all have seen reports and indications from many sources and I have even stated it is a good time to buy your next Harrisburg PA home because of the low mortgage interest rates and the abundance of good quality homes that are currently for sale. But what about the home owner that doesn’t want to move and I am not going to list all the reasons that a homeowner does not want to move, they are too numerous. So if you are not considering a move does refinancing the existing mortgage on your Harrisburg PA home make sense? In many, many cases the answer would be yes. There is no magical dollar amount that you owe formula because every situation is different and the dynamics of every homeowner is different. There are many excellent lenders that I know that are willing and extremely able to determine whether a refinance is worth your while and most importantly save you some of your hard earned money.

If by any chance you are considering the purchase of a home and would like to know what is available in all the areas please visit my web site, www.DonRoth.com, and click the search listings tab and you will find the most up to date information available. Or you can contact me and I would be willing to create a Neighborhood Activity Report based on your criteria.

Search all Harrisburg PA homes for sale.

When you are buying or selling property in today's Harrisburg PA real estate market, it's important to have confidence in your real estate professional. Don’s commitment as your Harrisburg PA REALTOR® is to provide you with the specialized real estate service you deserve.

When you are an informed buyer or seller, you'll make the best decisions for the most important purchase or sale in your lifetime. That's why Don’s goal is to keep you informed on trends in Harrisburg PA real estate. With property values continuing to rise, real estate is a sound investment for now and for the future.

As a local area expert with knowledge of Harrisburg PA area communities, Don’s objective is to work diligently to assist you in meeting your real estate goals.

If you are considering buying or selling a home or would just like to have additional information about real estate in your area, please don't hesitate to call me at (717) 657-8700, complete my online form, or e-mail me at don@donroth.com.

 

 

HomeGain.com, an online real estate marketing firm, recently released a study on homeowner satisfaction. HomeGain found that homeowners with the lowest cost basis were the happiest. Specifically, HomeGain found homeowners who acquired their properties for less than $75,000 were the most satisfied.

Now, HomeGain's survey might seem like an exercise in belaboring the obvious, but it's proof that price really does matter. Despite what has occurred in housing over the past four years, if you purchased a $75,000 home a few years ago, you're likely ahead on your purchase (which is why you're satisfied).Though it might be obvious, HomeGain's point is, nevertheless, worth driving home to our clients. Price matters, and it matters a lot. Buying at a sufficiently low price can offset many sins.

Low prices are found mostly in depressed markets, which is the housing market today. Depressed markets are ephemeral, so if we want to maximize our clients' happiness in 2020, it behooves us to impress upon them the importance of buying today.

Courtesy of Jessica Regan.

Search all Harrisburg PA homes for sale.

When you are buying or selling property in today's Harrisburg PA real estate market, it's important to have confidence in your real estate professional. Don’s commitment as your Harrisburg PA REALTOR® is to provide you with the specialized real estate service you deserve.

When you are an informed buyer or seller, you'll make the best decisions for the most important purchase or sale in your lifetime. That's why Don’s goal is to keep you informed on trends in Harrisburg PA real estate. With property values continuing to rise, real estate is a sound investment for now and for the future.

As a local area expert with knowledge of Harrisburg PA area communities, Don’s objective is to work diligently to assist you in meeting your real estate goals.

If you are considering buying or selling a home or would just like to have additional information about real estate in your area, please don't hesitate to call me at (717) 657-8700, complete my online form, or e-mail me at don@donroth.com.

The data on housing were mixed this past week, but we would say that, for the most part, they listed more positively than negatively.

Last Friday, the NAR reported sales of existing homes rose 5 percent to an annual rate of 4.61 units in December. This marked the third-consecutive month of sales growth. This latest increase helped reduce inventory to 2.38 million units, the equivalent of a 6.2 month supply at December's sales pace.

Pricing was the one bugaboo in the NAR's data. The median price for an existing home was $166,100 for 2011, a 2.5 percent drop from 2010 and the lowest median price since 2002. This is a disappointment, but hardly a disaster. We’ve said many times that national numbers usually lack a meaningful connection to local markets.

The news on distressed properties was a little more encouraging. RealtyTrac reports that homes in some stage of foreclosure dropped 11 percent in the third quarter of 2011 compared to the previous quarter. Of course, part of the improvement is due to the ongoing matter of banks working through last year's auto-signing imbroglio. That said, our own anecdotal evidence suggests an improving distressed-property market.

The new-home market is also improving, just not so obviously. New home sales eased 2.2 percent to an annual rate of 307,000 units in December, which pushed inventory up to a 6.1 month supply. Like existing-home prices, new-home prices were also pressured for the month, with the national median price dropping to $210,300.

Recent new-home data suggest that December's numbers might just be a hiccup: Homebuilder sentiment has improved markedly in recent months, as has the longer-term sales trend.

Speaking of trends, the trend in mortgage rates is expected to hold for the long term. On Wednesday, the Federal Reserve stated that interest rates will remain low until at least through 2014, pushing back a previous date of mid-2013. According to Federal Reserve data, the economy simply isn't growing at the pace it had expected.

The impact of the Fed's revised policy was both immediate and palpable. Before the announcement, the 10-year Treasury note yield had been creeping higher and was yielding 2.06 percent just before Fed Chairman Ben Bernanke stepped up to the mike. After he had stepped down, the yield had dropped to 1.96 percent.

So it appears low base mortgage rates are with us for the long term, but that doesn't mean low-cost mortgages are. A recent increase in fees Fannie Mae and Freddie Mac charge lenders will push costs higher. Expect the fee increase to raise borrowing costs a quarter percentage point.

It's worth pointing out that we said “appears” in connection with low mortgage rates. Nothing is certain where the economy and investor behavior is concerned. To be sure, if we were forced to place a bet, we’d likely bet on January 2013 mortgage rates matching January 2012 rates. We suspect most everyone else would place that same bet. That fact, in and of itself, is a contrarian indicator that rates aren't necessarily destined to stay at today's levels. 

Courtesy of Jessica Regan.

Search all Harrisburg PA homes for sale.

When you are buying or selling property in today's Harrisburg PA real estate market, it's important to have confidence in your real estate professional. Don’s commitment as your Harrisburg PA REALTOR® is to provide you with the specialized real estate service you deserve.

When you are an informed buyer or seller, you'll make the best decisions for the most important purchase or sale in your lifetime. That's why Don’s goal is to keep you informed on trends in Harrisburg PA real estate. With property values continuing to rise, real estate is a sound investment for now and for the future.

As a local area expert with knowledge of Harrisburg PA area communities, Don’s objective is to work diligently to assist you in meeting your real estate goals.

If you are considering buying or selling a home or would just like to have additional information about real estate in your area, please don't hesitate to call me at (717) 657-8700, complete my online form, or e-mail me at don@donroth.com.

We are always keen to accentuate the positive; we are also keen to accentuate reality. The reality is that a return to 2006-era home prices and transaction activity likely resides in the distant future.

We looked at other bubbles that have burst – the stock market in 1929, the gold market in 1980, the tech market in 2000 – and found that it can take years, if not decades, for the market to return to pre-bubble levels. As we all know, the housing bubble burst in full in late 2007/early 2008 and prices tumbled hard over the subsequent three years.

The good news is that the hard sell-off that marks a bursting bubble is an acute not a chronic event. That means once the sell-off is complete, the healing process begins and markets move forward, thought at a relatively slower pace compared to the pre-bubble pace.

The frustrating aspect of the recovery is that little can be done to accelerate it. To be sure, the housing market is recovering, but it's going to be awhile before it reaches the level of activity we were accustomed to a few years ago. Keeping that fact in mind not only helps mitigate frustration but also helps us stick to our guns as we focus on the long-term trend, which, fortunately, will be up.

Courtesy of Jessica Regan.

Search all Harrisburg PA homes for sale.

When you are buying or selling property in today's Harrisburg PA real estate market, it's important to have confidence in your real estate professional. Don’s commitment as your Harrisburg PA REALTOR® is to provide you with the specialized real estate service you deserve.

When you are an informed buyer or seller, you'll make the best decisions for the most important purchase or sale in your lifetime. That's why Don’s goal is to keep you informed on trends in Harrisburg PA real estate. With property values continuing to rise, real estate is a sound investment for now and for the future.

As a local area expert with knowledge of Harrisburg PA area communities, Don’s objective is to work diligently to assist you in meeting your real estate goals.

If you are considering buying or selling a home or would just like to have additional information about real estate in your area, please don't hesitate to call me at (717) 657-8700, complete my online form, or e-mail me at don@donroth.com.

It's really all about the economy at this point. Fortunately, the economy is moving forward, albeit at what too-often seems a plodding pace.

But moving forward we are. The Federal Reserve noted as much in its latest rendering of its Beige Book, a report of anecdotal evidence of economic progress in the dozen Fed districts. The Beige Book states, "Compared with prior summaries, the reports on balance suggest ongoing improvement in economic conditions in recent months, with most districts highlighting more favorable conditions than identified in reports from the late spring through early fall.

”Now, that attempt to say something without saying too much doesn't really enlighten, but it does affirm what we've known all along – the economic recovery is progressing.

Home prices might also be progressing better than the national numbers suggest. Zillow Inc. reports home prices were flat in November, with the average national home price at $147,800. But the housing market is a local market, and local markets appear to be improving better than the national numbers report (which can be skewed by outliers, e.g. Las Vegas ).Of the 165 housing markets tracked by Zillow, 60 percent reported stable or appreciating home values in November. Notable winning locales include Los Angeles, Washington D.C, Miami , San Francisco , and Detroit.

The flow of private money into housing is also encouraging. We've noted over the past month that hedge funds, investing platforms for the wealthy, are directing more funds into housing stocks. In addition, Robert Shiller, co-inventor of the S&P/Case-Shiller Real Estate Index, noted at a recent American Economic Association function that the futures market for real estate (basically bets on the direction of home prices) is pointing to rising prices.

We expect interest in residential real estate to further bloom in 2012. Homes are enticingly affordable these days. U.S. Department of Housing and U.S. Treasury Department data show that home affordability is at a level unseen since 1971. In fact, median-income families today have double the funds needed to cover the cost of owning a home than they did 40 years ago.

Historically low mortgage rates also contribute to the affordability quotient, and rates continue to skim along the bottom, as they have done for the past two months.

But rates aren't the only consideration in the cost of a loan. Fees come into play. Unfortunately, borrowers face higher fees in the near future. The guarantee fee on loans sold to Freddie Mac and Fannie Mae is set to increase a minimum of 10 basis points effective April 1. Many industry watchers, though, expect the actual cost to fall within the 20-to-80 basis-point range.

Today, affordability is at a multi-decade high, and mortgage rates are at a multi-decade low. We see few economic reasons for anyone in the market for a mortgage and house not to take the plunge.

Courtesy of Jessica Regan.

Search all Harrisburg PA homes for sale.

When you are buying or selling property in today's Harrisburg PA real estate market, it's important to have confidence in your real estate professional. Don’s commitment as your Harrisburg PA REALTOR® is to provide you with the specialized real estate service you deserve.

When you are an informed buyer or seller, you'll make the best decisions for the most important purchase or sale in your lifetime. That's why Don’s goal is to keep you informed on trends in Harrisburg PA real estate. With property values continuing to rise, real estate is a sound investment for now and for the future.

As a local area expert with knowledge of Harrisburg PA area communities, Don’s objective is to work diligently to assist you in meeting your real estate goals.

If you are considering buying or selling a home or would just like to have additional information about real estate in your area, please don't hesitate to call me at (717) 657-8700, complete my online form, or e-mail me at don@donroth.com.

Sales recorded for the Central Penn Multi List decreased by 4% for all homes recorded including Perry County, portions of Lancaster, Lebanon and York Counties.

Search all Harrisburg PA homes for sale.

When you are buying or selling property in today's Harrisburg PA real estate market, it's important to have confidence in your real estate professional. Don’s commitment as your Harrisburg PA REALTOR® is to provide you with the specialized real estate service you deserve.

When you are an informed buyer or seller, you'll make the best decisions for the most important purchase or sale in your lifetime. That's why Don’s goal is to keep you informed on trends in Harrisburg PA real estate. With property values continuing to rise, real estate is a sound investment for now and for the future.

As a local area expert with knowledge of Harrisburg PA area communities, Don’s objective is to work diligently to assist you in meeting your real estate goals.

If you are considering buying or selling a home or would just like to have additional information about real estate in your area, please don't hesitate to call me at (717) 657-8700, complete my online form, or e-mail me at don@donroth.com.

Housing is still dealing with some difficult issues – namely shadow inventory and negative equity. The former has shown much improvement based on data released during the last quarter of 2011; the latter will be helped by HARP 2.0, which is expected to be fully engaged by March.

The good news is economic and job growth will continue to remove rot from the system; that is, if buyers and borrowers are sufficiently motivated to act. Unfortunately, we see too few buyers and borrowers sufficiently motivated. The one question we field most often these days is, “Are mortgage rates going lower?” Embedded in the question is the belief that rates are going lower, which keeps too many people on the sidelines.

Our wish list for this year includes a stronger economy, more jobs, and more confident consumers. We'd also like to see a ratcheting up of interest rates. That way, borrowers prone to procrastination will be less prone to procrastinate when they realize that any uptick in rates won't be followed by two downticks.

What's more, rising rates will be indicative of the sustained economic growth we all want.

Courtesy of Jessica Regan.

Search all Harrisburg PA homes for sale.

When you are buying or selling property in today's Harrisburg PA real estate market, it's important to have confidence in your real estate professional. Don’s commitment as your Harrisburg PA REALTOR® is to provide you with the specialized real estate service you deserve.

When you are an informed buyer or seller, you'll make the best decisions for the most important purchase or sale in your lifetime. That's why Don’s goal is to keep you informed on trends in Harrisburg PA real estate. With property values continuing to rise, real estate is a sound investment for now and for the future.

As a local area expert with knowledge of Harrisburg PA area communities, Don’s objective is to work diligently to assist you in meeting your real estate goals.

If you are considering buying or selling a home or would just like to have additional information about real estate in your area, please don't hesitate to call me at (717) 657-8700, complete my online form, or e-mail me at don@donroth.com.

We've said that strong job growth will be key to a successful 2012. Early signs are encouraging. Automatic Data Processing (ADP) reports that private payroll numbers surged 325,000 in December – more than double expectations for a 160,000 increase.

The news on jobs is definitely good, but it's important to keep expectations tempered. This time last year, ADP reported that private employment jobs increased by 297,000. That bullish number got more than a few economists and pundits thumping for a full-bore recovery. Unfortunately, job growth abated and practically stagnated through the summer months of 2011.

That said, we remain encouraged. The Bureau of Labor Statistics (BLS) reports that unemployment is, for the most part, dropping across the nation. The BLS's data show that 58 metropolitan areas reported jobless rates above 10 percent, but that's down from 112 a year earlier. Another 129 areas reported jobless rates below 7 percent, nearly double the 65 areas reported in November 2010.

So it appears employment is on the rise, which bodes well for improved home sales in 2012. Prices are another reason we should see more sales. Standard & Poor's data show current home prices when adjusted for inflation are at 2001 levels. In other words, homes are very affordable. When homes are very affordable, more homes will be sold and more markets will clear.

We've provided many examples of markets clearing over the past few months. Beleaguered Las Vegas is the latest example. DataQuick reports that home sales increased 11.2 percent year-over-year in November, with sales being driven by below-$200,000 homes. Prices are low in Las Vegas, to be sure, but the days of free-fall depreciation appear to have ended, with the median home price holding at $115,000 for three consecutive months.

Mortgage rates contribute to the affordability quotient. On that front, mortgages remain very affordable. In fact, over the past week the 30-year fixed-rate loan again touched a new low. This should come as no surprise when you see that the 10-year U.S. Treasury note also touched a new low, with its yield dipping below 1.9 percent.

Rates remain low thanks to the ongoing debt crisis in Europe , which continues to draw money to U.S. Treasury securities even though these securities don't yield enough to compensate for inflation. That's good news for borrowers, especially borrowers on the longer end of the spectrum – such as those seeking 30- or 15-year fixed-rate loans.

Is it worth waiting for even lower rates? We didn't expect to see sub 4-percent loans in 2011, so anything is possible. But you have to consider what's probable. With job growth accelerating and consumer confidence rising, it appears the economy is growing sufficiently to suggest any further rate drops will be measured in a few basis points.

At this point, it's really all about risk and reward. Today, the reward is very high, but we think the risk will likely rise with more evidence of improving economic growth.

Courtesy of Jessica Regan.

Search all Harrisburg PA homes for sale.

When you are buying or selling property in today's Harrisburg PA real estate market, it's important to have confidence in your real estate professional. Don’s commitment as your Harrisburg PA REALTOR® is to provide you with the specialized real estate service you deserve.

When you are an informed buyer or seller, you'll make the best decisions for the most important purchase or sale in your lifetime. That's why Don’s goal is to keep you informed on trends in Harrisburg PA real estate. With property values continuing to rise, real estate is a sound investment for now and for the future.

As a local area expert with knowledge of Harrisburg PA area communities, Don’s objective is to work diligently to assist you in meeting your real estate goals.

If you are considering buying or selling a home or would just like to have additional information about real estate in your area, please don't hesitate to call me at (717) 657-8700, complete my online form, or e-mail me at don@donroth.com.

Below is a visual showing why “waiting for prices to drop” doesn’t make sense in this market....

Search all Harrisburg PA homes for sale.

When you are buying or selling property in today's Harrisburg PA real estate market, it's important to have confidence in your real estate professional. Don’s commitment as your Harrisburg PA REALTOR® is to provide you with the specialized real estate service you deserve.

When you are an informed buyer or seller, you'll make the best decisions for the most important purchase or sale in your lifetime. That's why Don’s goal is to keep you informed on trends in Harrisburg PA real estate. With property values continuing to rise, real estate is a sound investment for now and for the future.

As a local area expert with knowledge of Harrisburg PA area communities, Don’s objective is to work diligently to assist you in meeting your real estate goals.

If you are considering buying or selling a home or would just like to have additional information about real estate in your area, please don't hesitate to call me at (717) 657-8700, complete my online form, or e-mail me at don@donroth.com.

Hampden Township in Cumberland County had the lowest property tax rates in the Harrisburg area in 2011, according to a Patriot-News analysis. If you own a home worth about $100,000 there, you would pay $1,077 in school, county and municipal taxes, according to the analysis. Compare that to Harrisburg, where a $100,000 home would set you back $3,194 in taxes, or Highspire, where it would cost you $3,408.

These are 2011 figures. Taxes will be going up in 2012 in many locations.

CUMBERLAND COUNTY

CAMP HILL

• Population: 7,888
• Median household income: $58,910
• School tax: 12.96 mills
• County tax: 2.04 mills
• Municipal tax: 3.02 mills
• Total tax: 18.02 mills
• Common level ratio *: 100 percent
• Assessed value of $100,000 house: $100,000
• Tax on $100,000 market value house: $1,802
• Median value house: $187,700
• Assessed value on median house: $187,700
• Tax on median house: $3,382

CARLISLE

• Population: 18,682
• Median household income: $45,074
• School tax: 12.26 mills
• County tax: 2.04 mills
• Municipal tax: 3.06 mills
• Total tax: 17.36 mills
• Common level ratio *: 100 percent
• Assessed value of $100,000 house: $100,000
• Tax on $100,000 market value house: $1,736
• Median value house: $163,700
• Assessed value on median house: $163,700
• Tax on median house: $2,842

EAST PENNSBORO TOWNSHIP

• Population: 20,228
• Median household income: $59,923
• School tax: 10.31 mills
• County tax: 2.04 mills
• Municipal tax: .96 mills
• Total tax: 13.31 mills
• Common level ratio *: 100 percent
• Assessed value of $100,000 house: $100,000
• Tax on $100,000 market value house: $1,331
• Median value house: $155,900
• Assessed value on median house: $155,900
• Tax on median house: $2,075

HAMPDEN TOWNSHIP

• Population: 28,044
• Median household income: $81,498
• School tax: 8.57 mills
• County tax: 2.04 mills
• Municipal tax: .16 mills
• Total tax: 10.77 mills
• Common level ratio *: 100 percent
• Assessed value of $100,000 house: $100,000
• Tax on $100,000 market value house: $1,077
• Median value house: $224,300
• Assessed value on median house: $224,300
• Tax on median house: $2,416

LEMOYNE

• Population: 4,553
• Median household income: $49,609
• School tax: 9.0 mills
• County tax: 2.04 mills
• Municipal tax: 2.10 mills
• Total tax: 13.14 mills
• Common level ratio *: 100 percent
• Assessed value of $100,000 house: $100,000
• Tax on $100,000 market value house: $1,314
• Median value house: $124,700
• Assessed value on median house: $124,700
• Tax on median house: $1,639

LOWER ALLEN TOWNSHIP

• Population: 17,980
• Median household income: $58,486
• School tax: 9 mills
• County tax: 2.04 mills
• Municipal tax: 1.23 mills
• Total tax: 12.27 mills
• Common level ratio *: 100 percent
• Assessed value of $100,000 house: $100,000
• Tax on $100,000 market value house: $1,227
• Median value house: $155,600
• Assessed value on median house: $155,600
• Tax on median house: $1,910

MECHANICSBURG

• Population: 8,981
• Median household income: $53,716
• School tax: 12.17 mills
• County tax: 2.04 mills
• Municipal tax: 2.58 mills
• Total tax: 16.79 mills
• Common level ratio *: 100 percent
• Assessed value of $100,000 house: $100,000
• Tax on $100,000 market value house: $1,679
• Median value house: $155,800
• Assessed value on median house: $155,800
• Tax on median house: $2,616

MIDDLESEX TOWNSHIP

• Population: 7,040
• Median household income: $53,939
• School tax: 8.57 mills
• County tax: 2.04 mills
• Municipal tax: .998 mills
• Total tax: 11.61 mills
• Common level ratio *: 100 percent
• Assessed value of $100,000 house: $100,000
• Tax on $100,000 market value house: $1,161
• Median value house: $155,000
• Assessed value on median house: $155,000
• Tax on median house: $1,800

MONROE TOWNSHIP

• Population: 5,823
• Median household income: $78,050
• School tax: 8.57 mills
• County tax: 2.04 mills
• Municipal tax: .473 mills
• Total tax: 11.08 mills
• Common level ratio *: 100 percent
• Assessed value of $100,000 house: $100,000
• Tax on $100,000 market value house: $1,108
• Median value house: $191,700
• Assessed value on median house: $191,700
• Tax on median house: $2,124

MOUNT HOLLY SPRINGS

• Population: 2,030
• Median household income: $38,594
• School tax: 12.26 mills
• County tax: 2.04 mills
• Municipal tax: 1.37 mills
• Total tax: 15.67 mills
• Common level ratio *: 100 percent
• Assessed value of $100,000 house: $100,000
• Tax on $100,000 market value house: $1,567
• Median value house: $113,200
• Assessed value on median house: $113,200
• Tax on median house: $1,775

NEW CUMBERLAND

• Population: 7,277
• Median household income: $50,901
• School tax: 9 mills
• County tax: 2.04 mills
• Municipal tax: 2.9 mills
• Total tax: 13.94 mills
• Common level ratio *: 100 percent
• Assessed value of $100,000 house: $100,000
• Tax on $100,000 market value house: $1,394
• Median value house: $148,400
• Assessed value on median house: $148,400
• Tax on median house: $2,069

NORTH MIDDLETON TOWNSHIP

• Population: 11,143
• Median household income: $62,152
• School tax: 12.26 mills
• County tax: 2.04 mills
• Municipal tax: .69 mills
• Total tax: 14.99 mills
• Common level ratio *: 100 percent
• Assessed value of $100,000 house: $100,000
• Tax on $100,000 market value house: $1,499
• Median value house: $152,000
• Assessed value on median house: $152,000
• Tax on median house: $2,278

SHIREMANSTOWN

• Population: 1,569
• Median household income: $46,979
• School tax: 12.17 mills
• County tax: 2.04 mills
• Municipal tax: 1.9 mills
• Total tax: 16.11 mills
• Common level ratio *: 100 percent
• Assessed value of $100,000 house: $100,000
• Tax on $100,000 market value house: $1,611
• Median value house: $158,200
• Assessed value on median house: $158,200
• Tax on median house: $2,549

SILVER SPRING TOWNSHIP

• Population: 13,657
• Median household income: $72,574
• School tax: 8.57 mills
• County tax: 2.04 mills
• Municipal tax: .8 mills
• Total tax: 11.41 mills
• Common level ratio *: 100 percent
• Assessed value of $100,000 house: $100,000
• Tax on $100,000 market value house: $1,141
• Median value house: $193,600
• Assessed value on median house: $193,600
• Tax on median house: $2,209

SOUTH MIDDLETON TOWNSHIP

• Population: 14,663
• Median household income: $67,073
• School tax: 8.93 mills
• County tax: 2.04 mills
• Municipal tax: .17 mills
• Total tax: 11.14 mills
• Common level ratio *: 100 percent
• Assessed value of $100,000 house: $100,000
• Tax on $100,000 market value house: $1,114
• Median value house: $180,000
• Assessed value on median house: $180,000
• Tax on median house: $2,005

UPPER ALLEN TOWNSHIP

• Population: 18,059
• Median household income: $69,722
• School tax: 12.17 mills
• County tax: 2.04 mills
• Municipal tax: 1.29 mills
• Total tax: 15.50 mills
• Common level ratio *: 100 percent
• Assessed value of $100,000 house: $100,000
• Tax on $100,000 market value house: $1,550
• Median value house: $182,300
• Assessed value on median house: $182,300
• Tax on median house: $2,826

WEST PENNSBORO TOWNSHIP

• Population: 5,561
• Median household income: $59,221
• School tax: 12.1 mills
• County tax: 2.04 mills
• Municipal tax: .26 mills
• Total tax: 14.4 mills
• Common level ratio *: 100 percent
• Assessed value of $100,000 house: $100,000
• Tax on $100,000 market value house: $1,440
• Median value house: $149,600
• Assessed value on median house: $149,600
• Tax on median house: $2,154

WORMLEYSBURG

• Population: 3,070
• Median household income: $53,617
• School tax: 9 mills
• County tax: 2.04 mills
• Municipal tax: 3.06 mills
• Total tax: 14.1 mills
• Common level ratio *: 100 percent
• Assessed value of $100,000 house: $100,000
• Tax on $100,000 market value house: $1,410
• Median value house: $146,300
• Assessed value on median house: $146,300
• Tax on median house: $2,063

*Common level ratio compares the market value to the assessed value of a home.

PERRY COUNTY

DUNCANNON

• Population: 1,522
• Median household income: $41,932
• School tax: 12.2 mills
• County tax: 3.31 mills
• Municipal tax: 3.1 mills
• Total tax: 18.61 mills
• Common level ratio: 100 percent*
• Assessed value of $100,000 house: $100,000
• Tax on $100,000 market value house: $1,861
• Median value house: $102,100
• Assessed value on median house: $102,100
• Tax on median house: $1,900

MARYSVILLE

• Population: 2,534
• Median household income: $45,754
• School tax: 12.2 mills
• County tax: 3.3 mills
• Municipal tax: 2 mills
• Total tax: 17.5 mills
• Common level ratio: 100 percent*
• Assessed value of $100,000 house: $100,000
• Tax on $100,000 market value house: $1,750
• Median value house: $121,300
• Assessed value on median house: $121,300
• Tax on median house: $2,123

NEW BUFFALO

• Population: 129
• Median household income: $41,250
• School tax: 12.2 mills
• County tax: 3.31 mills
• Municipal tax: 1.3 mills
• Total tax: 16.81 mills
• Common level ratio: 100 percent*
• Assessed value of $100,000 house: $100,000
• Tax on $100,000 market value house: $1,681
• Median value house: $126,800
• Assessed value on median house: $126,800
• Tax on median house: $2,132

PENN TOWNSHIP

• Population: 3,225
• Median household income: $49,804
• School tax: 12.2 mills
• County tax: 3.31 mills
• Municipal tax: .57 mills
• Total tax: 16.08 mills
• Common level ratio: 100 percent*
• Assessed value of $100,000 house: $100,000
• Tax on $100,000 market value house: $1,608
• Median value house: $129,200
• Assessed value on median house: $129,200
• Tax on median house: $2,078

RYE TOWNSHIP

• Population: 2,364
• Median household income: $71,801
• School tax: 12.2 mills
• County tax: 3.31 mills
• Municipal tax: .9 mills
• Total tax: 16.41 mills
• Common level ratio: 100 percent*
• Assessed value of $100,000 house: $100,000
• Tax on $100,000 market value house: $1,641
• Median value house: $166,200
• Assessed value on median house: $166,200
• Tax on median house: $2,727

WATTS TOWNSHIP

• Population: 1,311
• Median household income: $53,235
• School tax: 12.2 mills
• County tax: 3.31 mills
• Fire tax: .22
• Municipal tax: .43 mills
• Total tax: 16.16 mills
• Common level ratio: 100 percent*
• Assessed value of $100,000 house: $100,000
• Tax on $100,000 market value house: $1,616
• Median value house: $143,500
• Assessed value on median house: $143,500
• Tax on median house: $2,319

WHEATFIELD TOWNSHIP

• Population: 3,334
• Median household income: $62,333
• School tax: 12.2 mills
• County tax: 3.3 mills
• Municipal tax: .2 mills
• Total tax: 15.7 mills
• Common level ratio: 100 percent*
• Assessed value of $100,000 house: $100,000
• Tax on $100,000 market value house: $1,570
• Median value house: $142,000
• Assessed value on median house: $142,000
• Tax on median house: $2,229

*Common level ratio compares the market value to the assessed value of a home

YORK COUNTY

CARROLL TOWNSHIP

• Population: 5,939
• Median household income: $70,133
• School tax: 14.61 mills
• County tax: 4.15 mills
• Municipal tax: 1.62 mills
• Total tax: 20.38 mills
• Common level ratio *: 84 percent
• Assessed value of $100,000 house: $84,000
• Tax on $100,000 market value house: $1,712
• Median value house: $225,600
• Assessed value on median house: $189,504
• Tax on median house: $3,862

DILLSBURG

• Population: 2,563
• Median household income: $51,045
• School tax: 14.61 mills
• County tax: 4.15 mills
• Municipal tax: 2.37 mills
• Total tax: 21.13 mills
• Common level ratio *: 84 percent
• Assessed value of $100,000 house: $84,000
• Tax on $100,000 market value house: $1,775
• Median value house: $148,500
• Assessed value on median house: $124,740
• Tax on median house: $2,636

FAIRVIEW TOWNSHIP

• Population: 16,668
• Median household income: $71,472
• School tax: 11.78 mills
• County tax: 4.15 mills
• Municipal tax: 1.6 mills
• Total tax: 17.53 mills
• Common level ratio *: 84 percent
• Assessed value of $100,000 house: $84,000
• Tax on $100,000 market value house: $1,473
• Median value house: $187,600
• Assessed value on median house: $157,584
• Tax on median house: $2,762

FRANKLINTOWN

• Population: 489
• Median household income: $40,938
• School tax: 14.61 mills
• County tax: 4.15 mills
• Municipal tax: 1.88 mills
• Total tax: 20.64 mills
• Common level ratio *: 84 percent
• Assessed value of $100,000 house: $84,000
• Tax on $100,000 market value house: $1,734
• Median value house: $134,100
• Assessed value on median house: $112,644
• Tax on median house: $2,325

FRANKLIN TOWNSHIP

• Population: 4,678
• Median household income: $60,850
• School tax: 14.61 mills
• County tax: 4.15 mills
• Municipal tax: .2 mills
• Total tax: 18.96 mills
• Common level ratio *: 84 percent
• Assessed value of $100,000 house: $84,000
• Tax on $100,000 market value house: $1,593
• Median value house: $174,800
• Assessed value on median house: $146,832
• Tax on median house: $2,784

GOLDSBORO

• Population: 952
• Median household income: $65,865
• School tax: 11.78 mills
• County tax: 4.15 mills
• Municipal tax: .75 mills
• Total tax: 16.68 mills
• Common level ratio *: 84 percent
• Assessed value of $100,000 house: $84,000
• Tax on $100,000 market value house: $1,401
• Median value house: $143,800
• Assessed value on median house: $120,792
• Tax on median house: $2,015

LEWISBERRY

• Population: 362
• Median household income: $66,250
• School tax: 11.78 mills
• County tax: 4.15 mills
• Municipal tax: 1.3 mills
• Total tax: 17.23 mills
• Common level ratio *: 84 percent
• Assessed value of $100,000 house: $84,000
• Tax on $100,000 market value house: $1,447
• Median value house: $154,200
• Assessed value on median house: $129,528
• Tax on median house: $2,232

MONAGHAN TOWNSHIP

• Population: 2,630
• Median household income: $73,977
• School tax: 14.61 mills
• County tax: 4.15 mills
• Municipal tax: .9 mills
• Total tax: 19.66 mills
• Common level ratio *: 84 percent
• Assessed value of $100,000 house: $84,000
• Tax on $100,000 market value house: $1,651
• Median value house: $210,300
• Assessed value on median house: $176,652
• Tax on median house: $3,473

NEWBERRY TOWNSHIP — DISTRICT 1

• Population (District 1 and 2): 15,285
• Median household income (District 1 and 2): $56,047
• School tax: 11.78 mills
• County tax: 4.15 mills
• Municipal tax: 1.79 mills
• Total tax: 17.72 mills
• Common level ratio *: 84 percent
• Assessed value of $100,000 house: $84,000
• Tax on $100,000 market value house: $1,448
• Median value house (District 1 and 2): $127,500
• Assessed value on median house: $107,100
• Tax on median house: $1,898

NEWBERRY TOWNSHIP — DISTRICT 2

• Population (see District 1): 15,285
• Median household income (see District 1): $56,047
• School tax: 23.72 mills
• County tax: 4.15 mills
• Municipal tax: 1.79 mills
• Total tax: 29.66 mills
• Common level ratio *: 84 percent
• Assessed value of $100,000 house: $84,000
• Tax on $100,000 market value house: $2,491
• Median value house (see District 1): $127,500
• Assessed value on median house: $107,100
• Tax on median house: $3,177

WARRINGTON TOWNSHIP

• Population: 4,773
• Median household income: $58,958
• School tax: 14.61 mills
• County tax: 4.15 mills
• Municipal tax: .21 mills
• Total tax: 18.97 mills
• Common level ratio *: 84 percent
• Assessed value of $100,000 house: $84,000
• Tax on $100,000 market value house: $1,593
• Median value house: $177,900
• Assessed value on median house: $149,436
• Tax on median house: $2,835

WELLSVILLE

• Population: 221
• Median household income: $51,250
• School tax: 14.61 mills
• County tax: 4.15 mills
• Municipal tax: .42 mills
• Total tax: 19.18 mills
• Common level ratio *: 84 percent
• Assessed value of $100,000 house: $84,000
• Tax on $100,000 market value house: $1,611
• Median value house: $153,800
• Assessed value on median house: $129,192
• Tax on median house: $2,478

*Common level ratio compares the market value to the assessed value of a home.

LEBANON COUNTY

ANNVILLE TOWNSHIP

• Population: 4,767
• Median household income: $51,250
• School tax: 102.76 mills
• County tax: 20 mills
• Municipal tax: 20 mills
• Total tax: 142.76 mills
• Common level ratio: 15.8 percent*
• Assessed value of $100,000 house: $15,800
• Tax on $100,000 market value house: $2,251
• Median value house: $131,400
• Assessed value on median house: $20,761
• Tax on median house: $2,958

EAST HANOVER TOWNSHIP

• Population: 2,801
• Median household income: $58,840
• School tax: 86.85 mills
• County tax: 20 mills
• Municipal tax: 1.5 mills
• Total tax: 108.35 mills
• Common level ratio: 15.8 percent *
• Assessed value of $100,000 house: $15,800
• Tax on $100,000 market value house: $1,712
• Median value house: $170,000
• Assessed value on median house: $26,860
• Tax on median house: $2,910

NORTH ANNVILLE TOWNSHIP

• Population: 2,381
• Median household income: $65,958
• School tax: 102.76 mills
• County tax: 20 mills
• Municipal tax: none
• Total tax: 122.76 mills
• Common level ratio: 15.8 percent *
• Assessed value of $100,000 house: $15,800
• Tax on $100,000 market value house: $1,940
• Median value house: $157,700
• Assessed value on median house: $24,917
• Tax on median house: $3,059

NORTH LONDONDERRY TOWNSHIP

• Population: 8,068
• Median household income: $65,000
• School tax: 98.75 mills
• County tax: 20 mills
• Municipal tax: 10 mills
• Total tax: 128.75 mills
• Common level ratio: 15.8 percent *
• Assessed value of $100,000 house: $15,800
• Tax on $100,000 market value house: $2,034
• Median value house: $192,300
• Assessed value on median house: $30,383
• Tax on median house: $3,912

PALMYRA

• Population: 7,320
• Median household income: $48,750
• School tax: 98.75 mills
• County tax: 20 mills
• Municipal tax: 17.50 mills (includes .5 library)
• Total tax: 136.25 mills
• Common level ratio: 15.8 percent*
• Assessed value of $100,000 house: $15,800
• Tax on $100,000 market value house: $2,153
• Median value house: $140,000
• Assessed value on median house: $22,120
• Tax on median house: $3,014

SOUTH ANNVILLE TOWNSHIP

• Population: 2,850
• Median household income: $63,289
• School tax: 102.76 mills
• County tax: 20 mills
• Municipal tax: 6 mills
• Total tax: 128.76 mills
• Common level ratio: 15.8 percent*
• Assessed value of $100,000 house: $15,800
• Tax on a $100,000 house: $2,034
• Median value house: $166,900
• Assessed value on median house: $26,370
• Tax on median house: $3,395

SOUTH LONDONDERRY TOWNSHIP

• Population: 6,991
• Median household income: $78,105
• School tax: 98.75 mills
• County tax: 20 mills
• Municipal tax: 10.5 mills (include. 1.5 fire)
• Total tax: 129.25 mills
• Common level ratio: 15.8 percent*
• Assessed value of $100,000 house: $15,800
• Tax on a $100,000 house: $2,042
• Median value house: $209,000
• Assessed value on median house: $33,022
• Tax on median house: $4,268

*Common level ratio compares the market value to the assessed value of a home

DAUPHIN COUNTY

CONEWAGO TOWNSHIP

• Population: 2,997
• Median household income: $84,844
• School tax: 18.42 mills
• County tax: 6.88 mills
• Municipal tax: none
• Library tax: .35 mills
• Total tax: 25.65 mills
• Common level ratio: * 73.5 percent
• Assessed value of $100,000 house: $73,500
• Tax on $100,000 market value house: $1,885
• Median value house: $228,700
• Assessed value of median house: $168,094
• Tax on median house: $4,311

DERRY TOWNSHIP

• Population: 24,679
• Median household income: $60,635
• School tax: 16.99 mills
• County tax: 6.88 mills
• Municipal tax: 1.1 mills
• Library tax: None
• Total tax: 24.97 mills
• Common level ratio: * 73.5 percent
• Assessed value of $100,000 house: $73,500
• Tax on $100,000 market value house: $1,835
• Median value house: $226,500
• Assessed value on median house: $166,477
• Tax on median house: $4,157

EAST HANOVER TOWNSHIP

• Population: 5,718
• Median household income: $58,427
• School tax: 18.42 mills
• County tax: 6.88 mills
• Municipal tax: .36 mills
• Library tax: .35 mills
• Total tax: 26.01 mills
• Common level ratio: * 73.5 percent
• Assessed value of $100,000 house: $73,500
• Tax on $100,000 market value house: $1,912
• Median value house: $161,300
• Assessed value on median house: $118,555
• Tax on median house: $3,084

HARRISBURG

• Population: 49,528
• Median household income: $31,676
• School tax: 26.31 mills
• County tax: 6.88 mills
• Municipal tax: 4.78 buildings, 28.6 land
• Library tax: .35 mills
• Total tax: 37.97 mills on buildings, 61.79 mills on land
• Common level ratio: *73.5 percent
• Assessed value of $100,000 house: $57,733 buildings, $15,767 land
• Tax on $100,000 market value house: $3,194
• Median value house: $78,400
• Assessed value on median house: $45,318 buildings, $12,377 land
• Tax on median house: $2,506

HIGHSPIRE

• Population: 2,399
• Median household income: $37,038
• School tax: 24.84 mills
• County tax: 6.88 mills
• Municipal tax: 14.3 mills
• Library tax: .35 mills
• Total tax: 46.37 mills
• Common level ratio: *73.5 percent
• Assessed value of $100,000 house: $73,500
• Tax on $100,000 market value house: $3,408
• Median value house: $88,400
• Assessed value on median house: $64,974
• Tax on median house: $3,013

HUMMELSTOWN

• Population: 4,538
• Median household income: $55,888
• School tax: 18.42 mills
• County tax: 6.88 mills
• Municipal tax: 2 mills
• Library tax: .35 mills
• Total tax: 27.65 mills
• Common level ratio: * 73.5 percent
• Assessed value of $100,000 house: $73,500
• Tax on $100,000 market value house: $2,032
• Median value house: $150,500
• Assessed value on median house: $110,617
• Tax on median house: $3,059

LONDONDERRY TOWNSHIP

• Population: 5,235
• Median household income: $66,742
• School tax: 18.42 mills
• County tax: 6.88 mills
• Municipal tax: 3 mills
• Library tax: .35 mills
• Total tax: 28.65 mills
• Common level ratio: *73.5 percent
• Assessed value of $100,000 house: $73,500
• Tax on $100,000 market value house: $2,106
• Median value house: $131,800
• Assessed value on median house: $96,873
• Tax on median house: $2,775

LOWER PAXTON TOWNSHIP

• Population: 47,360
• Median household income: $62,855
• School tax: 13.86 mills
• County tax: 6.88 mills
• Municipal tax: .96 mills
• Library tax: .35 mills
• Total tax: 22.05 mills
• Common level ratio: * 73.5 percent
• Assessed value of $100,000 house: $73,500
• Tax on $100,000 market value house: $1,620
• Median value house: $166,900
• Assessed value on median house: $122,671
• Tax on median house: $2,705

LOWER SWATARA TOWNSHIP

• Population: 8,268
• Median household income: $60,553
• School tax: 20.99 mills
• County tax: 6.88 mills
• Municipal tax: 2.5 mills
• Library tax: .35 mills
• Total tax: 30.72 mills
• Common level ratio: *73.5 percent
• Assessed value of $100,000 house: $73,500
• Tax on $100,000 market value house: $2,258
• Median value house: $137,400
• Assessed value on median house: $100,989
• Tax on median house: $3,102

MIDDLETOWN

• Population: 8,901
• Median household income: $47,522
• School tax: 20.99
• County tax: 6.88
• Municipal tax: 5.63
• Total tax: 33.5 mills
• Common level ratio: *73.5 percent
• Assessed value of $100,000 house: $73,500
• Tax on $100,000 market value house: $2,462
• Median value house: $110,600
• Assessed value on median house: $81,291
• Tax on median house: $2,723

PAXTANG

• Population: 1,561
• Median household income: $56,250
• School tax: 13.86 mills
• County tax: 6.88 mills
• Municipal tax: 10.73 mills
• Library tax: .35 mills
• Total tax: 31.82 mills
• Common level ratio: *73.5 percent
• Assessed value of $100,000 house: $73,500
• Tax on $100,000 market value house: $2,339
• Median value house: $136,900
• Assessed value on median house: $100,621
• Tax on median house: $3,202

PENBROOK

• Population: 3,008
• Median household income: $36,545
• School tax: 13.86 mills
• County tax: 6.88 mills
• Municipal tax: 9.2 mills
• Library tax: .35 mills
• Total tax: 30.29 mills
• Common level ratio: *73.5 percent
• Assessed value of $100,000 house: $73,500
• Tax on $100,000 market value house: $2,226
• Median value house: $99,900
• Assessed value on median house: $73,426
• Tax on median house: $2,224

ROYALTON

• Population: 967
• Median household income: $46,719
• School tax: 20.99 mills
• County tax: 6.88 mills
• Municipal tax: 3 mills
• Library tax: .35 mills
• Total tax: 31.22 mills
• Common level ratio: *$73.5 percent
• Assessed value of $100,000 house: $73,500
• Tax on $100,000 market value house: $2,295
• Median value house: $97,900
• Assessed value on median house: $71,956
• Tax on median house: $2,246

SOUTH HANOVER TOWNSHIP

• Population: 6,248
• Median household income: $87,050
• School tax: 18.42 mills
• County tax: 6.88 mills
• Municipal tax: .46 mills
• Library tax: .35 mills
• Total tax: 26.11 mills
• Common level ratio: *73.5
• Assessed value of $100,000 house: $73,500
• Tax on $100,000 market value house: $1,919
• Median value house: $222,700
• Assessed value on median house: $163,684
• Tax on median house: $4,274

STEELTON

• Population: 5,990
• Median household income: $35,048
• School tax: 24.84 mills
• County tax: 6.88 mills
• Municipal tax: 14 mills
• Library tax: .35 mills
• Total tax: 46.07 mills
• Common level ratio: * 73.5
• Assessed value of $100,000 house: $73,500
• Tax on $100,000 market value house: $3,386
• Median value house: $78,600
• Assessed value on median house: $57,771
• Tax on median house: $2,569

SUSQUEHANNA TOWNSHIP

• Population: 24,036
• Median household income: $58,965
• School tax: 16.43 mills
• County tax: 6.88 mills
• Municipal tax: 2.6 mills
• Library tax: .35 mills
• Total tax: 26.26 mills
• Common level ratio: *$73.5 percent
• Assessed value of $100,000 house: $73,500
• Tax on $100,000 market value house: $1,930
• Median value house: $155,900
• Assessed value on median house: 114,586
• Tax on median house: $3,009

SWATARA TOWNSHIP

• Population: 23,362
• Median household income: $54,110
• School tax: 13.86 mills
• County tax: 6.88 mills
• Municipal tax: 2.32 mills
• Library tax: .35 mills
• Total tax: 23.41 mills
• Common level ratio: *73.5 percent
• Assessed value of $100,000 house: $73,500
• Tax on $100,000 market value house: $1,720
• Median value house: $145,100
• Assessed value on median house: $106,648
• Tax on median house: $2,497

WEST HANOVER TOWNSHIP

• Population: 9,343
• Median household income: $68,085
• School tax: 13.86 mills
• County tax: 6.88 mills
• Municipal tax: 1.19 mills
• Library tax .35 mills
• Total tax: 22.28 mills
• Common level ratio: *73.5 percent
• Assessed value of $100,000 house: $73,500
• Tax on $100,000 market value house: $1,638
• Median value house: $175,600
• Assessed value on median house: $129,066
• Tax on median house: $2,875

*Common level ratio compares the market value to the assessed value of a home.

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