Real Estate Information Archive

Home prices are strengthening and affordability of houses is slightly lower, according to new data from the second quarter of 2012. The National Association of Home Builders/Wells Fargo Housing Opportunity Index (HOI) found that 92 percent of metropolitan areas had a rise in median home prices over the first quarter of 2012.

Some homebuyers might not welcome this news, but for the home seller, it’s “another signal that the housing recovery is starting to take root,” said NAHB Chairman Barry Rutenberg, “and it lends needed confidence to prospective buyers and sellers who have been reluctant to move forward in the current marketplace.”

According to the report, 73.8 percent of all homes sold during this period were affordable to households earning the mean national income of $65,000.

Looking at the bottom of that list, major metropolitan areas with the least affordable homes, the number one city is no surprise: New York-White Plains-Wayne, N.Y.-N.J. (a distinction it’s held for 17 consecutive quarters), followed by the metro areas of San Francisco, Bridgeport-Stamford-Norwalk, Conn., four other California areas as well as Honolulu and Miami.

Topping the list are Youngstown-Warren-Boardman, Ohio-PA.; Dayton, Ohio; Buffalo-Niagara Falls, NY; Indianapolis-Carmel, IN; Modesto, CA; Ogden-Clearfield, UT; Harrisburg-Carlisle, PA; Lakeland-Winter Haven, FL; Wilmington, DE metro area; and Columbia, SC.

Median housing price in Harrisburg-Carlisle PA is $147,000. The Housing Opportunity Index (HOI) in Pennsylvania’s capital city metro area is 90.6, meaning about nine in 10 homes on the market are affordable to households bringing in the median income of $73,500.

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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.

In an effort to compare what you can own versus renting a home here are six examples that are located on the East Shore of Harrisburg that can be owned for a principal and interest payment for $800 per month. This calculation was arrived at using a 30 year fixed mortgage rate of 3.625%. Naturally, an owner would have additional payments that would include taxes and insurance. But when considering that my unofficial review of potential rentals and the costs there is a compelling argument for the benefits of owning a home.

If you have any questions about these homes or any other homes in the Harrisburg PA area please contact me at Don@DonRoth.com or visit my web site, www.DonRoth.com, and click on the search listings tab. Have a great day!

               

            

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.

July 2012 might be categorized as the good, the bad and the unknown. First, naturally the good news. The number of sold Central PA homes this July increased by 4.8% over July 2011 and there was a less than 1% decrease in the average sales price year over year in the greater Harrisburg area. This continues the moderate improvement in the real estate market in this area and I anticipate this will continue throughout the rest of 2012. The bad? Well we still have an excess supply of homes for sale at this point and although there continues to be an improvement in the numbers there are great opportunities for home buyers and sellers. Why? Although not a great percentage of the homes for sale are composed of short sales and foreclosures it appears that the perceived negative on home values continues in the market. And as has been discussed in many media outlets people are concerned about their home values being less than a few years ago and their own financial well being.

Even though Central Pennsylvania real estate has not been as affected negatively by the financial slowdown there has definitely been some pullback and caution that continues in the real estate market. The unknown is, at least today, the increases  experienced in mortgage interest rates and is the increase a temporary blip or the beginning of a trend towards higher rates? As an example rates on a 30 years fixed rate mortgage is up by .50% in the last two weeks and if the increases continue the purchasing power for buyers will decrease and be reflected in real estate values. I said two weeks ago that we never know when the interest rates hit the absolute bottom until they have already begun to increase. I do not think we are there yet and hopefully I am correct on that prognosis.

In comparison the 2011 or even 2010 we have made significant improvement in the real estate market and I do think the good will definitely outweigh the bad and the unknown. We are here to answer any real estate questions that you have so please contact us.

 

School Districts

West Shore

School District                      Average Sales Price 2011                   Average Sales Price 2012   Days on Market

Camp Hill                    $172,400                                 $186,160                      111/40

Cumberland Valley      $296,855                                 $266,155                     104/102

West Shore                  $178,326                                 $169,121                     104/80

Mechanicsburg             $200,770                                 $202,763                     67/89

Northern York               $235,608                                 $213,682                     91/126

Carlisle                         $181,062                                 $163,378                     111/105

East Pennsboro             $156,175                                 $150,647                     180/92

 

East Shore

School District                      Average Sales Price 2011                   $Average Sales Price 2012                Days on Market

Central Dauphin                   $189,766                                               $205,755                               116/112

Derry Twp                             $322,427                                               $244,253                               90/53

Lower Dauphin                     $235,586                                               $269,124                               98/66

Harrisburg                             $75,530                                                $56,281                                 156/96

Middletown                          $113,069                                               $134,967                                69/119

Steel High                             $69,400                                                $79,267                                 130/62

Susquehanna Twp               $151,141                                               $147,500                                 97/90 

 

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.

 

Though the news on home prices has been repetitive in recent months, we don't tire of reporting it. After reporting falling home prices over the past four years, there's a lot of ground to be made up on the upside.

Thankfully, the upside continues to dominate. CoreLogic provides the latest news on rising home prices, reporting that prices increased 1.8 percent in its May home price index compared to its April index, and are up 2 percent year over year. Remove distressed properties (which are becoming less distressed these days) from the mix and the index is up 2.3 percent month over month and 2.7 percent year over year.

The sustained uptrend is significant for an obvious reason: A price recovery trend stimulates more buying and selling. The trend also refutes many predictions made earlier this year – from CoreLogic, Trulia, Zillow, Case-Shiller – that prices wouldn't move up meaningfully until the end of 2012. It just goes to show how difficult the prediction game is.

That said, we are going to engage in a little predicting of our own. We think the upward trend in prices is sustainable over the long haul. For one, there's a dearth of inventory. Low supply, particularly in new homes, will help keep prices elevated.

The relationship between rent prices and home prices is another reason. Reis Inc., a real estate information firm, reports that national asking rents are the highest they've been in five years. The national average asking rent is $1,091. At the same time, vacancies are the lowest they've been in over 10 years. Low supply coupled with high demand means rents will continue to rise.

Concurrently, the home affordability index in many metropolitan regions is at multi-year lows. It's a great opportunity for people who normally rent to buy. In some markets, a starter home can offer a $200-to-$300 monthly savings in housing expense.

Mortgage lending rates have no doubt contributed to the high affordability index. Rates continue to drop a couple basis points week after week. Over time, these incremental drops have produced significantly lower lending rates.

Our soapbox issue at this point remains credit availability. Too many potential borrowers are still locked out of the market. The worst is over for financial institutions and the economy has stabilized. The best move regulators could make to improve participation is to ease the rules.

To be sure, lending prices need to reflect risk, but risk can be attenuated through judicious underwriting. Judicious underwriting, in turn, most often arises from a diverse, dynamic lending base. That's tough to conjure when costs associated with regulation are historically high.

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're at a point in the housing recovery where few people doubt we are actually in the midst of a recovery. Since the beginning of the year, we've been reporting news and data that have generally trended more positively and more optimistically.

Home builders are trending as positively and as optimistically as anyone in the housing sector these days. The NAHB/Wells Fargo sentiment index surged in May to hit a new recovery high of 29. The improved outlook is driven by strengthening consumer sales and buyer traffic, which, in turn, has lead to more housing construction. Housing starts rebounded 2.6 percent in April to 717,000 annualized units, considerably higher than the analysts' consensus forecast for 690,000 units.

While starts are up, foreclosures are down. In fact, foreclosure filings have fallen to their lowest level since July 2007. The five-year low is a product of a death of foreclosure activity in once very active states: Year-over-year foreclosure filings dropped 67 percent in Nevada, 44 percent in Arizona, and 30 percent in California. So much for the surge in distressed properties that was anticipated to swamp the market once the robo-signing imbroglio was put to rest.

Pricing trends also point to a sustained long-term recovery. The national median list price for homes rose by 0.7 percent in April from March to its highest level in nearly a year. 

That said, we're always quick to note that all housing markets are local. When we look at local markets we find that asking prices are up 25 percent in the formerly hard-hit market of Phoenix and 15 percent in the less-hard-hit market of Miami year-over-year.

Look for median asking prices to continue their push higher. Valuation firm Pro Teck reports housing inventory is running at a 6.3-months supply nationally, the lowest level in six years. Falling inventory coupled with rising demand points to one thing – a sustained upward trend in home prices.

The news gets even better when we factor in Fitch Ratings expectations for increased demand for private-label mortgage bond issuance; that is, mortgage bonds not issued by one of the government-sponsored entities (GSEs) – Freddie Mac, Fannie Mae, and Ginnie Mae. The once flourishing private-label market reached $6 trillion in trading activity in 2007. The market is far below that level today, but transactions so far this year have already eclipsed the total for 2011. Fitch sees volume expanding further over the ensuing months. 

Mortgage lending might be the last hurdle to clear in the housing recovery. More security issuance in the private market means less reliance on the GSEs. That means a more vibrant, diversified lending environment and an environment more amenable to meeting more borrower’s needs.

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.

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.

The news is understandably slow the week between Christmas and New Year's Day. The most notable release was last Friday's news on new home sales, which rose to an annualized rate of 315,000 units in November, a 1.6-percent gain over October.To be sure, we have a long way to go until we reach the normalized construction rate of 1.5-million units per year. Nevertheless, we expect the new-home market to gain pace in 2012. After all, there are only 158,000 units in inventory. Even at the current slow sales pace, this equates to a record low six-month supply.

Over the past three years, new-home construction has fallen far below historical norms and also below the level needed to keep pace with population growth. The fact is our country gains roughly 2.7 million people and one million new households annually.

You might not see supply as a problem. We are all familiar with the glut of distressed properties. Indeed, Bank of America expects eight million distressed homes to come to market over the next four years. These homes, we've so often heard, will continue to depress new home construction.

We view B-of-A's outlook with a skeptical eye. There is a likely prospect that many of these distressed properties will simply go away. Destruction is too frequently overlooked in many supply projections. A house is not a permanent structure. Many are destroyed by fire, wind and flood each year. Many more are lost through simple decay and abandonment. Based on U.S. Census data, 300,000 homes are lost annually. That number will surely rise in years to come.

In short, the math – low inventory plus more households minus more home destruction – suggests to us a rebound in new-home construction. We are not alone in this contention, either. Wells Fargo projects that housing starts will continue to rise each year for the next five years before reaching once again the normalized construction rate of 1.5-million units annually by 2017.

Of course, projections are one thing, betting on those projections is another. Here, we see an encouraging trend. Big money is starting to wager on housing. The Wall Street Journal reports that many large hedge funds are investing billions in housing-related investments. Other investors have followed suit. Shares of homebuilders are up 30 percent over the past three months, making them one of the best performing investments in the market.

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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