Market Overview
Home Prices in Effort, PA
The median home value in Effort, PA is $322,858 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 0.3% compared to a year ago and up 0.5% from two years prior.
Compared to the U.S. national median of $410,000, homes in Effort are priced21% below average. Effort is part of the East Stroudsburg, PA metro area.
Over the past five years, Effort home values have risen by approximately25.1%, reflecting strong long-term appreciation in this market.
Price History
Effort Home Price Trend
City Comparison
Effort vs. National Median
At $322,858, homes in Effort cost 21% below the national median of $410,000. This makes Effort a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Effort?
20% Down Payment
$64,572
on $322,858
Monthly P&I
$1,684/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,139/mo
incl. taxes & insurance
Income Needed
$85,560
gross annual (30% rule)
10% Down Option
$32,286
+ PMI applies
Loan Amount (20% dn)
$258,286
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Effort, PA?
The median home value in Effort is $322,858 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 0.3% year-over-year.
How much have home prices changed in Effort?
Over the past year, home values in Effort have increased by 0.3%. Over five years, prices have risen approximately 25.1%.
How much do I need to earn to buy a home in Effort?
To comfortably afford the median home price of $322,858 with a 20% down payment ($64,572) at today's rates (6.8%), you'd need a gross annual income of approximately $85,560. This assumes keeping total housing costs at or below 30% of gross income.
How does Effort compare to the national average home price?
The national median home value is approximately $410,000. At $322,858, homes in Effort are 21% below the national average.
What metro area is Effort part of?
Effort is part of the East Stroudsburg, PA metropolitan area. Home prices and market conditions can vary across the broader metro region.