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Learn about the people, housing, costs and businesses in Mount Joy, Pennsylvania
Real local data across mortgage, insurance, natural hazard, and place.
Rates, calculators, and lender comparisons
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Mount Joy.
True all-in cost — P&I, taxes, insurance & utilities for homes in Mount Joy.
Find and compare lenders active near Mount Joy.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for Mount Joy.
Seismic risk and earthquake insurance estimates for Mount Joy.
Wildfire exposure and insurance estimates for Mount Joy.
Cost of living, demographics, and community profile
As of today, the 30-year fixed mortgage rate for Mount Joy is approximately 6.988% (7.027% APR). Rates vary based on your credit score, loan type, down payment, and other factors. Safe Rate updates rates daily using live investor pricing.
View current rates for Mount JoyThe median home value in Mount Joy is $256k. The median monthly rent is $1,180. Annual property taxes average $4k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Mount Joy have increased 17.0% over the past two years. This indicates a strong appreciation trend. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $1,256/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $54k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Mount Joy is $89k/year.
Calculate your buying powerThe largest employment sectors in Mount Joy are public administration (29%) and retail (10%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.