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Buying a postwar single in Springfield Township

Springfield is the postwar half of Delco: 87% detached houses, 61% of them built between 1940 and 1959, and a nine-day market in July 2026. Different houses than the boroughs down the hill, different loan math.

In numbers: Sold median $525,000, July 2026, 46 sales, 9 days on market (Movoto)Housing stock 87% detached; 61% built 1940-59 (ACS 2024, ZIP 19064)Township tax 2026 4.25 mills, up 8.4%, plus $345 refuse per householdSchool district 2026-27 Springfield SD 22.8326 mills, up 2.95%

Built between 1946 and 1959, mostly

Springfield Township has been on the map since 1686, but the houses are postwar. Of 8,902 units in ZIP 19064, 61.0% went up between 1940 and 1959, 19.5% in the two decades after that, and only 11.6% before 1940. Eighty-seven percent are detached and 7.7% attached. Stoney Creek got started in 1949 and put up more than 75 houses in five years. That’s the pattern for most of the township. Capes, colonials and split-levels on their own lots, built fast, built the same, and forty years past their first roof.

That changes the loan compared with the boroughs downhill. There’s less shared-wall paperwork and fewer 1920s systems, so conventional financing at 3% to 5% down is the common file here, with FHA at 3.5% still available under the county’s $630,200 limit. What an appraiser flags on a 1950s house is usually the roof, the paint on a soffit and an original electrical panel that has been added to twice.

The inspection, and the one next door

Springfield inspects before a sale but issues no separate certificate. Book it at least 30 days out for $75; wait until inside 15 days and it’s $175. The checklist is short and physical: ground-fault outlets, sidewalks, three-and-a-half-inch house numbers, a curb vent six inches above grade, and roof drains, yard drains and sumps kept out of the sanitary sewer. Scheduling moved online on January 1, 2024, which is the single most popular thing the township has done for settlements.

While the municipal building at 50 Powell Rd is being renovated, township business runs out of 1001 Baltimore Pike, Suite 201.

What it sells for, and how fast

Forty-six houses closed in July 2026, three fewer than the July before. The middle one went for $525,000. The typical one was under contract in nine days. Nine days. That means the pre-approval has to be a real one, with credit pulled, income documented and the file through underwriting, before you walk into the first open house. A pre-qualification printed off a form is paper, and Springfield listing agents have seen plenty of it.

The bill

The township raised 2026 millage to 4.25 from 3.92, an 8.4% increase adopted in Ordinance 1655 in December 2025, on a $26.3 million budget. Refuse is $345 a household. Sewer is $12 per 1,000 gallons, unchanged.

Springfield School District set 2026-27 at 22.8326 mills, up 2.95% from 22.1783, approved May 14, 2026, with the homestead reduction capped at $301.86 and the gap covered from fund balance. Add the county’s 4.609 and the stack is about 31.69 mills, roughly $3,169 per $100,000 of assessment. That’s at the low end for this county, and it is still real money on Delco’s post-2021 assessments, which sit close to market. A low millage on a high assessment is not a low bill.

Transfer tax is the standard 2%, so $10,500 on a $525,000 house and $5,250 as the customary buyer’s half.

Water, and the Golden Mile

Darby Creek forms the northeast boundary and Crum Creek the west, and both have history. Floyd destroyed six houses in Springfield in September 1999; that ground was added to Rolling Green Park. If a house sits low near either creek, order the flood determination early, because flood insurance lands in the payment you qualify on.

Baltimore Pike through here was the Golden Mile when it was wall-to-wall car dealers. Springfield Mall opened September 19, 1974 at 589,000 square feet, picked up Macy’s in 1986 and Target in 2009, and has its own trolley stop, which is a rare thing in the suburbs. The D1 runs 8.6 miles from 69th Street to Orange Street in Media and stops at Beatty Road, Pine Ridge, Paper Mill Road, the mall, Thomson Avenue, Woodland Avenue, Leamy Avenue, Saxer Avenue and Brookside-Springfield, double-tracked the whole way through the township. I-476 runs the west edge, so half the township measures distance in Blue Route minutes.

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Answers, before you call

What is the combined tax rate in Springfield Township?

County 4.609, township 4.25 and Springfield School District 22.8326 for 2026-27, so about 31.69 mills, roughly $3,169 a year per $100,000 of assessment, which is at the low end for this county. Sewer is billed separately at $12 per 1,000 gallons and refuse is $345 a household.

Does Springfield inspect a house before settlement?

Yes, an inspection with no separate certificate issued, scheduled online since January 1, 2024. Request it at least 30 days out and it's $75; inside 15 days it's $175, and a third inspection is $25. Inspectors check ground-fault outlets, sidewalks, three-and-a-half-inch house numbers, a curb vent at least six inches above grade, and that roof drains, yard drains and sumps stay out of the sanitary sewer.

Can I use Delaware County's $10,000 in Springfield?

Springfield is on the county's standard Homeownership First list, so the assistance is a 0% loan you repay when you sell. The limit is the sale price cap of $290,000 against a $525,000 median, so it reaches only a narrow slice of the township. PHFA's programs are the more realistic route at this price.

What loan limits apply at Springfield prices?

The 2026 FHA limit for Delaware County is $630,200 on a one-unit house and the conforming limit is $832,750, so a $525,000 sale fits either. FHA and conventional both work on a 1950s cape or colonial; which one is cheaper depends on the credit score and the down payment, and the lender who calls you back runs it both ways.

One call, that's it

Say the neighborhood and the price. A licensed Pennsylvania lender calls you back, usually the same business day, with the tax stack and a nine-day market both accounted for. Get the pre-approval done before the first open house.

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