At $1,544/mo, rent takes about 21% of the local median household income, comfortably within the 30% benchmark.
Rent by unit size
These are HUD Fair Market Rents, the payment standard for a Housing Choice Voucher (Section 8). They often differ from the $1,544 market median above, and that is expected: FMR is the 40th percentile of standard-quality units and counts gross rent, so it includes essential utilities such as electricity, water, gas, sewer, and trash. The market median is asking rent, which usually excludes utilities. HUD sets FMR once a year; market rent here updates monthly.
Source: HUD Small Area Fair Market Rents. Read the methodology →
12-month history
Last updated: October 17, 2026
What the numbers show
Rent in Mount Joy changed -3.1% over the year to September 2026. Across the 114 Pennsylvania cities Zillow tracks, the typical change was +3.6%.
Rent has risen 3 months in a row, and rose in 7 of the last 12 months.
30% of the median household income ($90,061) is $2,252 a month. That covers HUD's Fair Market Rent for up to a 4-bedroom ($1,910).
Columbia, 5 miles away, rents for 13% less ($1,347/mo), about $2,400 a year in savings.
From Zillow's monthly rent index (ZORI) for Mount Joy. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.
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Who lives here
Mount Joy, PA is majority owner-occupied, has a large retiree population, has a median income above the national average, 33.7% of residents hold a bachelor's degree or higher.
Source: U.S. Census Bureau · ACS 2024 5-Year Estimates
How Mount Joy, PA has changed in 5 years
Local incomes tracked alongside that move, going from a median of $67,265 in 2021 to $90,061 more recently. Census counts show Mount Joy, PA adding about 93 residents over the five-year window, up 1.1% on net. Bachelor's-degree-or-higher attainment moved from 28.9% to 33.7% across the same window.
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Can you afford rent in Mount Joy on your salary?
At $1,544/mo, how Mount Joy rent compares to typical pay (30% rule).
Mount Joy rent by bedroom count
Median rent for each apartment size in Mount Joy. Click any size for full breakdown.
Tips for renters in Mount Joy
Last updated: October 17, 2026
The median rent in Mount Joy is $1,544/mo as of October 2026. A studio apartment averages $1,020/mo while a 2-bedroom runs $1,440/mo. One-bedroom apartments average $1,140/mo and 3-bedroom units go for $1,880/mo.
At 21% of local median household income ($90,061/yr), Mount Joy ranks as affordable compared to the national benchmark of 30%. Rents have decreased 3.1% over the past year.
Frequently asked questions
How much income do you need to rent in Mount Joy?
Is rent going up or down in Mount Joy?
How does Mount Joy rent compare to other cities in Pennsylvania?
Which nearby cities are cheaper to rent in than Mount Joy?
At $1,544/mo, rent takes ~21% of Mount Joy's median household income ($90,061/yr). The standard benchmark is 30%.
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Estimated from ZIP-level data
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