Mount Joy, PA—17552
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Mount Joy, PA
As of Oct '25, the median home price in Mount Joy, PA is $349,000, with a year-over-year change of 2.9%. This indicates that home prices in Mount Joy, PA are increasing. According to Zillow, the 1-year price projection is 2.2%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $349,000 | 2.9% |
| Single Family | $350,000 | 2.9% |
| Condos | $329,000 | 3.1% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $119,000 | -6.3% |
2 Bed | $302,000 | 2.7% |
3 Bed | $335,000 | 3.1% |
4 Bed | $444,000 | 3.3% |
| 5 Bed | $569,000 | 4.2% |
% of Housing Stock
Rental Trends — Mount Joy, PA
As of July '25, Rentcast reports the average rent in Mount Joy, PA is $1,520, with a year-over-year rent change of 5.6%. Per bedroom, the median rent as of July '25 in Mount Joy, PA is 1-bedrooms: $1,130, 2-bedrooms: $1,500, 3-bedrooms: $1,900. The most common rental property sizes in Mount Joy, PA are 2-bedroom and 1-bedroom, accounting for 38.7% and 30.4% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,450 | $1,520 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $1,100 | $1,130 |
| 2 Bed Rent | $1,500 | $1,500 |
| 3 Bed Rent | $1,980 | $1,900 |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Mount Joy, PA
As of Oct '25, Realtor.com reports that the median days on market for a home in Mount Joy, PA is 50. This is a increase of 19.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 6.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $429,000 | 1.0% |
Listing Count | 66 | 16.0% |
| Listings as % of Homes | 0.4% | 16.0% |
Days on Market | 50 | 19.0% |
Demographics — Mount Joy, PA
As of the latest ACS Survey released in 2023, Mount Joy, PA has a population of 19,700, which has remained stable by -0.5% over the past 5 years. Mount Joy, PA is a moderately popular place for families, as children make up 20.1% of the population. The area has a moderately educated workforce, with 33.0% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 10.8% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 19,700 | -0.5% |
% Under 18 | 20.1% | -0.5% |
% Seniors | 20.1% | 19.6% |
% WFH | 10.8% | 145.5% |
% w/ College Degree | 33.0% | 29.9% |
As of the latest ACS Survey released in 2023, Mount Joy, PA is a predominantly white area, with 86.5% of the population identifying as white. The white population has shrunk by 2.4% in the last 5 years. The second most common race or ethnicity in Mount Joy, PA is hispanic, making up 7.6% of the population. Foreign-born residents account for 3.2% of the population in Mount Joy, PA, and this percentage has decreased by 8.6% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 86.5% | -2.4% |
% Black | 1.9% | -5.0% |
% Hispanic | 7.6% | 5.6% |
% Asian | 1.6% | 100.0% |
% Foreign Born | 3.2% | -8.6% |
Mortgage and Risk — Mount Joy, PA
According to HUD data as of 2023, there were 380 mortgage originations in Mount Joy, PA, of which 89.0% of loans were conventional mortgages. The average loan-to-value was 54.0%, with 21.0% above 90% LTV (very high). This implies large mortgage risk in Mount Joy, PA. Investor activity is low, as 2.0% of loans were by investors. 10.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 380 |
% Conventional Loans | 89.0% |
% Government Loans | 11.0% |
% Investor Loans | 2.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 10.0% |
Loan Activity
Rentals and Section 8 — Mount Joy, PA
Mount Joy, PA lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 43 |
Total Units Section 8 | 43 |
% Rentals under Section 8 | 1.8% |
% Occupied Section 8 | 81.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $40 | $1,100 | $1,140 |
| 2 Bedroom | -$60 | $1,500 | $1,440 |
| 3 Bedroom | -$100 | $1,980 | $1,880 |
| 4 Bedroom | N/A | N/A | $1,910 |
Affordability — Mount Joy, PA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.4 |
| Median Home Price | $349,000 |
| Median Household Income | $89,800 |