Total monthly cost of ownership
Cost to Own a Home in Ambridge, Pennsylvania
A $94,000 home here costs
$1,054per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $483. The real number is $571 higher every month — 118% 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.
Ambridge against Beaver County and Pennsylvania
| Measure | Ambridge | Beaver County |
|---|---|---|
| Median home value | $94,000 | $185,500 |
| Median property tax | $2,395 | $2,672 |
| Effective tax rate | 2.548% | 1.440% |
| Median gross rent | $910 | $867 |
| Population | 6,912 | 166,993 |
The weather behind that power bill
Ambridge sits in Beaver County, which averages a high of 81.8°F in its hottest month and a low of 20.7°F in its coldest, with 40.69" of precipitation a year and 31% of it in a single three-month stretch. That climate drives 636 cooling and 5,811 heating degree days, which is what sets the $194 electricity line above.
See the full climate breakdown for Beaver County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Beaver County
Full Beaver County cost breakdown · Every county in Pennsylvania
Common questions
How much does it cost to own a home in Ambridge?
A $94,000 home in Ambridge, Pennsylvania costs approximately $1,054 per month with 20% down at 6.66%. That is $483 principal and interest, $200 property tax, $31 homeowners insurance, $262 utilities and $78 set aside for maintenance.
What is the property tax rate in Ambridge?
Ambridge has an effective property tax rate of 2.548%, based on a median home value of $94,000 and median real estate taxes of $2,395. That is higher than the Beaver County average of 1.440%.
What is the average home price in Ambridge?
The median owner-occupied home value in Ambridge, Pennsylvania is $94,000, against $185,500 across Beaver County.
Is it cheaper to rent or buy in Ambridge?
Median gross rent in Ambridge is $910 a month, against $1,054 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 Ambridge — 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.