Market Overview
Home Prices in Stoystown, PA
The median home value in Stoystown, PA is $193,940 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 8.3% compared to a year ago and down 2.8% from two years prior.
Compared to the U.S. national median of $410,000, homes in Stoystown are priced53% below average. Stoystown is part of the Somerset, PA metro area.
Over the past five years, Stoystown home values have risen by approximately21.2%, reflecting strong long-term appreciation in this market.
Price History
Stoystown Home Price Trend
City Comparison
Stoystown vs. National Median
At $193,940, homes in Stoystown cost 53% below the national median of $410,000. This makes Stoystown a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Stoystown?
20% Down Payment
$38,788
on $193,940
Monthly P&I
$1,011/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,284/mo
incl. taxes & insurance
Income Needed
$51,360
gross annual (30% rule)
10% Down Option
$19,394
+ PMI applies
Loan Amount (20% dn)
$155,152
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 Stoystown, PA?
The median home value in Stoystown is $193,940 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 8.3% year-over-year.
How much have home prices changed in Stoystown?
Over the past year, home values in Stoystown have increased by 8.3%. Over five years, prices have risen approximately 21.2%.
How much do I need to earn to buy a home in Stoystown?
To comfortably afford the median home price of $193,940 with a 20% down payment ($38,788) at today's rates (6.8%), you'd need a gross annual income of approximately $51,360. This assumes keeping total housing costs at or below 30% of gross income.
How does Stoystown compare to the national average home price?
The national median home value is approximately $410,000. At $193,940, homes in Stoystown are 53% below the national average.
What metro area is Stoystown part of?
Stoystown is part of the Somerset, PA metropolitan area. Home prices and market conditions can vary across the broader metro region.