How does Woodlyn compare with Pennsylvania?
The city's median is below the statewide median by $13,400. Prices sit in the middle price-to-income band; compare the payment with your own income rather than treating the median as a budget. The median is 27.3% of the conforming limit. A median-valued purchase fits the FHA base-loan limit at 3.5% down.
How much down payment and PMI would a typical Woodlyn home need?
| Down payment | Cash down | Estimated PMI / month | Estimated PITI + PMI | Income at 28% / 36% |
|---|---|---|---|---|
| 3% | $6,813 | $92 | $1,941 | $84,000 / $65,000 |
| 5% | $11,355 | $90 | $1,908 | $82,000 / $64,000 |
| 10% | $22,710 | $85 | $1,826 | $79,000 / $61,000 |
| 20% | $45,420 | $0 | $1,587 | $69,000 / $53,000 |
3%-down conventional products have borrower/program restrictions. PMI uses a fixed 0.5% annual loan-balance estimate at less than 20% down; it is not a credit-specific quote or an assumed discount by down payment. Payments include state-average tax and insurance and assume zero other debts.
Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.
Is there down payment assistance in Woodlyn?
- Keystone Forgivable in Ten Years (K-FIT) — 5% of the lesser of purchase price or appraised value, no maximum dollar limit; forgivable; state-level. Pennsylvania Housing Finance Agency · Verified October 23, 2026
Conventional loans in the nearest eligible cities
Home loan options in Woodlyn
Frequently asked questions
Sources
- U.S. Census Bureau — ACS 2019–2023 5-Year Estimates
- FHFA — 2026 Conforming Loan Limit Values
- HUD — 2026 FHA Forward Mortgage Limits (county file)
- Fannie Mae Selling Guide
- NAIC — Homeowners Insurance Report, Data for 2023 (HO-3 average premium)
- Freddie Mac PMMS
- Keystone Forgivable in Ten Years (K-FIT)
Data last updated November 5, 2026.
Get matched for your Woodlyn home purchase
Answer a few quick questions and get matched with purchase mortgage lenders in your area. Free, and it won't affect your credit score.
Get My MatchesFigures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.