Market Overview
Home Prices in Swarthmore, PA
The median home value in Swarthmore, PA is $486,294 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 4% compared to a year ago and up 2.4% from two years prior.
Compared to the U.S. national median of $410,000, homes in Swarthmore are priced19% above average. Swarthmore is part of the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD metro area.
Over the past five years, Swarthmore home values have risen by approximately32.6%, reflecting strong long-term appreciation in this market.
Price History
Swarthmore Home Price Trend
City Comparison
Swarthmore vs. National Median
At $486,294, homes in Swarthmore cost 19% above the national median of $410,000. Buyers in Swarthmore should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Swarthmore?
20% Down Payment
$97,259
on $486,294
Monthly P&I
$2,536/mo
30-yr @ 6.8%
Total Monthly Est.
~$3,221/mo
incl. taxes & insurance
Income Needed
$128,840
gross annual (30% rule)
10% Down Option
$48,629
+ PMI applies
Loan Amount (20% dn)
$389,035
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 Swarthmore, PA?
The median home value in Swarthmore is $486,294 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 4% year-over-year.
How much have home prices changed in Swarthmore?
Over the past year, home values in Swarthmore have increased by 4%. Over five years, prices have risen approximately 32.6%.
How much do I need to earn to buy a home in Swarthmore?
To comfortably afford the median home price of $486,294 with a 20% down payment ($97,259) at today's rates (6.8%), you'd need a gross annual income of approximately $128,840. This assumes keeping total housing costs at or below 30% of gross income.
How does Swarthmore compare to the national average home price?
The national median home value is approximately $410,000. At $486,294, homes in Swarthmore are 19% above the national average.
What metro area is Swarthmore part of?
Swarthmore is part of the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD metropolitan area. Home prices and market conditions can vary across the broader metro region.