Total monthly cost of ownership
Cost to Own a Home in Ambler, Pennsylvania
A $360,000 home here costs
$2,800per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,851. The real number is $949 higher every month — 51% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Ambler against Montgomery County and Pennsylvania
| Measure | Ambler | Montgomery County |
|---|---|---|
| Median home value | $360,200 | $409,900 |
| Median property tax | $3,211 | $5,776 |
| Effective tax rate | 0.891% | 1.409% |
| Median gross rent | $1,406 | $1,612 |
| Population | 6,822 | 861,225 |
The weather behind that power bill
Ambler sits in Montgomery County, which averages a high of 86.0°F in its hottest month and a low of 20.3°F in its coldest, with 48.52" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 906 cooling and 5,475 heating degree days, which is what sets the $194 electricity line above.
See the full climate breakdown for Montgomery County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Montgomery County
Full Montgomery County cost breakdown · Every county in Pennsylvania
Common questions
How much does it cost to own a home in Ambler?
A $360,000 home in Ambler, Pennsylvania costs approximately $2,800 per month with 20% down at 6.66%. That is $1,851 principal and interest, $267 property tax, $120 homeowners insurance, $262 utilities and $300 set aside for maintenance.
What is the property tax rate in Ambler?
Ambler has an effective property tax rate of 0.891%, based on a median home value of $360,200 and median real estate taxes of $3,211. That is lower than the Montgomery County average of 1.409%.
What is the average home price in Ambler?
The median owner-occupied home value in Ambler, Pennsylvania is $360,200, against $409,900 across Montgomery County.
Is it cheaper to rent or buy in Ambler?
Median gross rent in Ambler is $1,406 a month, against $2,800 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Ambler — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Pennsylvania.
- Electricity price — EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate — Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.