Photo: Shuvaev · CC BY-SA 4.0Homes in McAdoo cost about 1.3 years of local pay, but renters are stretched more than prices suggest
More affordable than 75% of U.S. towns. Up 1.8% in a year, 38% below the Pennsylvania typical home.
Census 2020–24 home values, rents, tax bills and cost burden, measured against the median household income of the Pottsville, PA micro area ($68K). How TownRatings grades cost of living
Only 4 sales in May 2026: in a market this size, monthly medians swing a lot, so the typical value is the steadier guide.
In dollars, homes in McAdoo cost less than the Pennsylvania typical home. But the grade compares costs with what households in the area earn, and Pottsville-area incomes are lower too ($68K, against $74K for the typical U.S. town). Property tax takes 1.27% of a home’s value a year (Pennsylvania: 1.30%), and 47% of renters pay 30% or more of income for housing.
In dollars
- $177Ktypical home, 38% below the Pennsylvania typical homeZillow, September 2026
- $1,360a month for a two-bedroom, utilities includedHUD Fair Market Rent, 2026
In paychecks the grade
- 1.3 yrsof area income buys the typical home; the typical U.S. town: 3.3$68K, Pottsville-area income
- 17%of area income goes to the median rent; the typical U.S. town: 18%Census 2020–24
- 47%of renters pay 30%+ of income for housing; across Pennsylvania: 48%Census 2020–24
- 21%of owners do; the typical U.S. town: 20%Census 2020–24
Housing in McAdoo, in brief
Owning can cost less than renting
With 20% down at the calculator’s rate, the typical McAdoo home runs about $1,110 a month with tax and insurance. A two-bedroom rents for about $1,360. The hurdle is getting in: the down payment, and a budget at the median income that falls short of the typical home. Can I afford it? ↓
Values rose faster than Pennsylvania’s over five years
The typical McAdoo home is up 43% in five years, against 23% across Pennsylvania. Since October 2016 it has more than doubled, from $66K to $177K. Price trend ↓
An older housing stock
Half of McAdoo’s homes were built before 1943, against 1965 for Pennsylvania as a whole. Older homes can mean character, and also bigger heating and repair bills, so an inspection matters. Property taxes ↓
Written from the data on this page. Home values are the Zillow Home Value Index, through September 2026; permits are Census figures through 2025 (2025 partly estimated); incomes, rents paid, taxes and ownership come from the Census American Community Survey.
What’s behind McAdoo’s grade
Measured against what households in the area earn, McAdoo is more affordable than 75% of U.S. towns. The share of households paying 30%+ for housing pulls the grade down most; home prices hold it up.
Values have outpaced Pennsylvania: the typical McAdoo home is up 42.8% in five years, against 22.9% statewide (Zillow).
Up 42.8% in five years
Faster than Pennsylvania (22.9%).
Show as a table
| January | McAdoo | Pennsylvania |
|---|---|---|
| 2017 | $67,000 | $171,000 |
| 2018 | $63,000 | $178,000 |
| 2019 | $75,000 | $185,000 |
| 2020 | $87,000 | $196,000 |
| 2021 | $110,000 | $216,000 |
| 2022 | $131,000 | $236,000 |
| 2023 | $142,000 | $253,000 |
| 2024 | $154,000 | $265,000 |
| 2025 | $174,000 | $276,000 |
| 2026 | $171,000 | $283,000 |
| September 2026 | $177,000 | $287,000 |
A typical McAdoo home worth $66K in October 2016 is worth about $177K today.
Zillow Home Value Index: the typical value of all homes (middle third), smoothed and seasonally adjusted, through September 2026.
A typical home costs 1.3 years of area income
The calculator starts from the area income the grade uses. Switch to McAdoo’s own median, or type yours.
That covers a typical McAdoo home, with $75K to spare.
A two-bedroom rents for about $1,360 a month here, $250 more than owning.
An estimate, not a loan offer: payments of up to 28% of income, a 30-year fixed loan, McAdoo’s typical property tax (1.27% of value a year, from the Census) and insurance of about 0.35%. Mortgage insurance, HOA fees and other debts aren’t included.
A two-bedroom rents for about $1,360
Renters already here pay a median of $986, so moving in tends to cost more than staying put.
Fair Market Rent a month, utilities included
U.S. Department of Housing and Urban Development, Fair Market Rents by ZIP code (Allentown-Bethlehem-Easton, PA HUD Metro FMR Area): the 40th-percentile rent plus utilities for a standard unit. Median rent and renters: U.S. Census Bureau, American Community Survey.
No new homes permitted in 2025
No permits for new homes were issued in McAdoo in 2025. The last year with any was 2017 (1 new home).
Between the 2010 and 2020 censuses, McAdoo gained 171 residents while 1 new home was permitted: about 171 new residents per new home. Population grew faster than building, so existing homes filled up: a sign of tight supply. Across Pennsylvania: 1.4 new residents per new home.
Every year as a table
| Year | New homes | Single-family | 2+ per building | Value |
|---|---|---|---|---|
| 2026 (Jan–Aug) | 0 | 0 | 0 | — |
| 2025 | 0 | 0 | 0 | — |
| 2024 | 0 | 0 | 0 | — |
| 2023 | 0 | 0 | 0 | — |
| 2022 | 0 | 0 | 0 | — |
| 2021 | 0 | 0 | 0 | — |
| 2020 | 0 | 0 | 0 | — |
| 2019 | 0 | 0 | 0 | — |
| 2018 | 0 | 0 | 0 | — |
| 2017 | 1 | 1 | 0 | $60,000 |
| 2016 | 0 | 0 | 0 | — |
| 2015 | 0 | 0 | 0 | — |
| 2014 | 0 | 0 | 0 | — |
| 2013 | 0 | 0 | 0 | — |
| 2012 | 0 | 0 | 0 | — |
| 2011 | 0 | 0 | 0 | — |
| 2010 | 0 | 0 | 0 | — |
| 2009 | 0 | 0 | 0 | — |
| 2008 | 0 | 0 | 0 | — |
| 2007 | 0 | 0 | 0 | — |
| 2006 | 0 | 0 | 0 | — |
| 2005 | 0 | 0 | 0 | — |
| 2004 | 0 | 0 | 0 | — |
| 2003 | 0 | 0 | 0 | — |
| 2002 | 0 | 0 | 0 | — |
| 2001 | 1 | 1 | 0 | $121,000 |
| 2000 | 0 | 0 | 0 | — |
McAdoo's permit office didn't report to the Census in 2025, so the 2025 figures are Census estimates.
Homes authorized by building permits, counted in the year the permit was issued. U.S. Census Bureau, Building Permits Survey.
Property tax runs below the Pennsylvania norm
The median bill is $1,143 (Pennsylvania: $3,311), 1.27% of a home’s value a year, against 1.30% statewide.
Census American Community Survey 2020–24: the median real-estate tax bill homeowners report, and that bill ÷ the median home value. Bills include town, school and county taxes. The Census reports bills over $10,000 only as “$10,000+”.
McAdoo vs. its neighbors
Of the 1 towns here with a Zillow value, McAdoo has the lowest. Kline Township has no Zillow value, so it is in the table only.
Cost next door · one source per column
| Town | Cost | Typical home Zillow, September 2026 | Median value Census 2020–24 | Tax rate bill ÷ value | 2-bed rent HUD 2026 |
|---|---|---|---|---|---|
| McAdoo | A− | $177K | $90K | 1.27% | $1,360 |
| Kline Township | A | — | $119K | 1.07% | $1,360 |
“—” under Zillow: Zillow publishes no value for that town, so it’s left blank rather than mixed with Census figures.
Questions about the cost of living in McAdoo
Is McAdoo expensive to live in?
Measured against what households in the area earn, McAdoo costs less than 75% of U.S. towns: an A− for cost of living. The typical home costs 1.3 years of the median household income of the Pottsville, PA micro area ($68K).
How much does a house cost in McAdoo?
About $177K, Zillow’s typical value for September 2026, up 1.8% in a year. The Pennsylvania typical home is $287K.
What salary do you need to live in McAdoo?
To buy the typical home with 20% down at 6.3%, about $48,000 a year, keeping the payment (about $1,110 a month with tax and insurance) at 28% of income. To rent a two-bedroom at 30% of income, about $54,000.
How much is rent in McAdoo?
HUD puts a two-bedroom at about $1,360 a month with utilities, the going rate for someone moving in. Renters already here pay a median of $986 (Census 2020–24).
What are property taxes in McAdoo?
The median bill is $1,143 a year, 1.27% of the median home value (Pennsylvania: $3,311, 1.30%), from the Census 2020–24.
Are home prices in McAdoo going up?
Yes: up 1.8% in the past year and 42.8% in five years, against 22.9% across Pennsylvania (Zillow).
Neighbors talk housing
What McAdoo buyers, sellers and renters are saying.
Home values: Zillow Home Value Index (ZHVI), Zillow Research, September 2026. Sales, days on market and supply: Redfin Data Center, May 2026. Income, ownership, taxes and rent: U.S. Census Bureau, American Community Survey. New homes: U.S. Census Bureau, Building Permits Survey. Fair Market Rents: U.S. Department of Housing and Urban Development. The calculator is an estimate, not a loan offer. Regional price levels: BEA; electricity: EIA. How TownRatings grades cost of living.