Lock Haven, Pennsylvania.
Typical home $202,307 (+2.0% in a year), asking rent $988 (+1.3%). Lock Haven, PA metro.
to buy the typical home at today's mortgage rate — +$539 (+103%) since Jan 2020.
- 1 year
- Up $3,997 +2%
- $198,309$202,307 since Sep 2025
- 5 years
- Up $38,033 +23%
- $164,274$202,307 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Lock Haven$1,062
- Pennsylvania$1,507
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 17 years.
Typical home values in Lock Haven, PA rose 2.0% over the past year — faster than the nation's +1.2%.
Asking rents in Lock Haven, PA rose 1.3% over the past year — slower than the nation's +2.7%.
Owning the typical home in Lock Haven runs $486/mo more than renting one. The gap peaked at $541 in May 2024.
That is $1,475 a month against $988 rent: a $1,062 mortgage payment, plus $196 property tax and $217 insurance & upkeep.
Owning vs renting — Lock Haven
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$1,475
- Renting$988
- Mortgage only$1,062
Property tax · $196/mo 1.16% of value a year — the ACS 2020-2024 median bill over the median home value for Clinton County, PA
Insurance & upkeep · $217/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Lock Haven, Clinton County, Pennsylvania
Lock Haven is a city of 8,108 people in Clinton County. Half its households earn more than $46,102 a year and half less, against $60,816 across Clinton County; 21% of its people live below the poverty line. 38% of its homes are lived in by their owners and 62% are rented. Unemployment in Clinton County was 4.0% in August 2026, and the county had 0.9% more jobs in 2025 than the year before. The most residents work in schools and health care, then shops.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Lock Haven is a small city with a young population, with residents noticeably younger than in most American communities. Incomes run below the county's, and more households here rent than own, in a place where renting is common. Winters are cold and snowy, summers are warm, and rain and melted snow add up to a fair amount over the year.
Work. Many residents work in schools, hospitals and social care, with shops, restaurants, hotels and manufacturing also employing a good share. Among the largest workplaces in town are First Quality Tissue, Clinton County Community Connections and Haven Place Rehabilitation. Commutes are fairly short, and the job market has grown slightly across the county in the past year.
Things to do. Bald Eagle Creek, a river, and the Piper Aviation Museum are both in or beside town, along with the Memorial Park Site, an archaeological site. Lick Run, another river, is a short drive away. For a longer outing, Bald Eagle State Park and Ravensburg State Park are both protected areas a longer drive away.
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- 3,415households
- 25%of adults have a degree
- 21%below the poverty line
- 18 mintypical commute
- 11%work from home
What residents work in
Employed residents by industry, from the Census survey. Clinton County had 12,741 jobs in 2025, 0.9% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 35° and lows near 18°; warmest in July, with highs near 85° and lows near 61°. About 30 inches of snow and 42 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Lock Haven Sewage Plt weather station, a mile away (NOAA).
Largest workplaces in Lock Haven
- First Quality TissuePulp and paper combined manufacturing589
- Clinton County Community ConnectionsGroup homes, intellectual and developmental disability181
- Haven Place RehabilitationHomes for the elderly with nursing care124
- Weis MarketsSupermarkets and other grocery83
- AramarkFood service contractors56
- Greystar41
- Lock HavenMail and parcel delivery31
- Goodwill Industries of NCPAUsed merchandise stores21
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 8 workplaces with 20 or more staff, 1,126 people in all. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Strong windRelatively high
- Winter weatherRelatively high
- LightningRelatively high
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Lock Haven’s census tracts, against the rest of the country; all of them together, relatively low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Clinton County and the Lock Haven, PA metro.
Lock Haven home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Lock Haven$202,307
- Pennsylvania$287,078
- United States$366,157
Sellers are cutting prices on about 1 in 3 Lock Haven listings — the market is roughly in balance.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Lock Haven32.45%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Lock Haven55
New listings per month
Sellers arriving at the market.
- Lock Haven17
Zip codes with a Lock Haven address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Lock Haven — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.