Market Overview
Home Prices in Lock Haven, PA
The median home value in Lock Haven, PA is $207,600 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 2.9% compared to a year ago and up 4.3% from two years prior.
Compared to the U.S. national median of $410,000, homes in Lock Haven are priced49% below average. Lock Haven is part of the Lock Haven, PA metro area.
Over the past five years, Lock Haven home values have risen by approximately26.0%, reflecting strong long-term appreciation in this market.
Price History
Lock Haven Home Price Trend
City Comparison
Lock Haven vs. National Median
At $207,600, homes in Lock Haven cost 49% below the national median of $410,000. This makes Lock Haven a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Lock Haven?
20% Down Payment
$41,520
on $207,600
Monthly P&I
$1,083/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,375/mo
incl. taxes & insurance
Income Needed
$55,000
gross annual (30% rule)
10% Down Option
$20,760
+ PMI applies
Loan Amount (20% dn)
$166,080
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 Lock Haven, PA?
The median home value in Lock Haven is $207,600 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 2.9% year-over-year.
How much have home prices changed in Lock Haven?
Over the past year, home values in Lock Haven have increased by 2.9%. Over five years, prices have risen approximately 26.0%.
How much do I need to earn to buy a home in Lock Haven?
To comfortably afford the median home price of $207,600 with a 20% down payment ($41,520) at today's rates (6.8%), you'd need a gross annual income of approximately $55,000. This assumes keeping total housing costs at or below 30% of gross income.
How does Lock Haven compare to the national average home price?
The national median home value is approximately $410,000. At $207,600, homes in Lock Haven are 49% below the national average.
What metro area is Lock Haven part of?
Lock Haven is part of the Lock Haven, PA metropolitan area. Home prices and market conditions can vary across the broader metro region.