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📍 Somerset, PA · Zillow ZHVI · July 2026

Average Home Price in
Somerset, PA

Somerset, PA metro area · Somerset County County

Median Home Value
$226,762
↑ 6.3% year-over-year
vs. National Median
$410,000
Somerset is 45% below
Est. Monthly Payment
$1,183/mo
20% down · 6.8% rate
Income Needed
$60K
gross annual (30% rule)
Median Home Value
$226,762
↑ 6.3% year-over-year
Down Payment (20%)$45,352
Monthly P&I$1,183/mo
With Taxes & Ins.~$1,502/mo
Income Needed$60,080/yr
Data SourceZillow ZHVI
Market Overview

Home Prices in Somerset, PA

The median home value in Somerset, PA is $226,762 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 6.3% compared to a year ago and up 0.7% from two years prior.

Compared to the U.S. national median of $410,000, homes in Somerset are priced45% below average. Somerset is part of the Somerset, PA metro area.

City Comparison

Somerset vs. National Median

🏠 Somerset
$226,762
National Median
$410,000

At $226,762, homes in Somerset cost 45% below the national median of $410,000. This makes Somerset a relatively affordable market for buyers seeking value.

Affordability

What Does It Cost to Buy in Somerset?

20% Down Payment
$45,352
on $226,762
Monthly P&I
$1,183/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,502/mo
incl. taxes & insurance
Income Needed
$60,080
gross annual (30% rule)
10% Down Option
$22,676
+ PMI applies
Loan Amount (20% dn)
$181,410
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 Somerset, PA?
The median home value in Somerset is $226,762 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 6.3% year-over-year.
How much have home prices changed in Somerset?
Over the past year, home values in Somerset have increased by 6.3%.
How much do I need to earn to buy a home in Somerset?
To comfortably afford the median home price of $226,762 with a 20% down payment ($45,352) at today's rates (6.8%), you'd need a gross annual income of approximately $60,080. This assumes keeping total housing costs at or below 30% of gross income.
How does Somerset compare to the national average home price?
The national median home value is approximately $410,000. At $226,762, homes in Somerset are 45% below the national average.
What metro area is Somerset part of?
Somerset is part of the Somerset, PA metropolitan area. Home prices and market conditions can vary across the broader metro region.