Home Insurance Estimator for Scranton, PA
Updated 2026 · Local data pre-filled
Home insurance rates vary widely within Pennsylvania, driven by weather risks, construction costs, and local claims history. The median home value in Scranton is $155,000, and we've pre-filled that as your dwelling coverage starting point. Adjust for your home's actual replacement cost for the most accurate estimate.
✓ Calculator below is pre-filled with Scranton local data
How Scranton Compares to the National Average
Understanding how Scranton stacks up helps you calibrate your financial planning.
| Metric | Scranton, PA | US Average | Difference |
|---|---|---|---|
| Median Home Price | $155,000 | $420,800 | -63.2% |
| Median Monthly Rent | $1,000 | $1,713 | -41.6% |
| Median Household Income | $52,400 | $74,580 | -29.7% |
| Property Tax Rate | 1.50% | 1.10% | +36.4% |
| Cost of Living Index | 85 | 100 | -15.0% |
Sources: U.S. Census Bureau, BLS, Zillow, NAR (2024–2025). Green = favorable for residents; red = less favorable.
Scranton Financial Snapshot
- Population (Metro)
- 560,000
- Unemployment
- 4.4%
- Avg Commute
- 22 min
- Median Age
- 40
- Price-to-Rent Ratio
- 12.9x
- Annual Property Tax
- $2,325
Home Insurance Estimator in Other Pennsylvania Cities
Frequently Asked Questions — Scranton
What is the median home price in Scranton, PA?
The median home price in Scranton is $155,000 as of 2025–2026. This is below the national median of $420,800.
What is the average rent in Scranton?
Median monthly rent in Scranton is $1,000. That works out to $12,000/year, or 23% of the median household income — within the commonly recommended 30% of income guideline.
Is Scranton affordable?
Scranton's cost of living index is 85 vs. the national average of 100. With a median household income of $52,400/year and a median home price of $155,000, the price-to-income ratio is 3.0x. Scranton remains relatively affordable compared to many US metros.
What is the property tax rate in Scranton?
The effective property tax rate in Scranton is 1.50% of assessed value. On the median home of $155,000, that's roughly $2,325/year ($194/month).