Total monthly cost of ownership
Cost to Own a Home in Ancient Oaks, Pennsylvania
A $405,000 home here costs
$3,314per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,082. The real number is $1,232 higher every month — 59% 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.
Ancient Oaks against Lehigh County and Pennsylvania
| Measure | Ancient Oaks | Lehigh County |
|---|---|---|
| Median home value | $404,700 | $276,100 |
| Median property tax | $5,969 | $4,591 |
| Effective tax rate | 1.475% | 1.663% |
| Median gross rent | $1,830 | $1,326 |
| Population | 7,731 | 375,408 |
The weather behind that power bill
Ancient Oaks sits in Lehigh County, which averages a high of 86.4°F in its hottest month and a low of 21.8°F in its coldest, with 47.36" of precipitation a year and 31% of it in a single three-month stretch. That climate drives 981 cooling and 5,293 heating degree days, which is what sets the $194 electricity line above.
See the full climate breakdown for Lehigh County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Lehigh County
Full Lehigh County cost breakdown · Every county in Pennsylvania
Common questions
How much does it cost to own a home in Ancient Oaks?
A $405,000 home in Ancient Oaks, Pennsylvania costs approximately $3,314 per month with 20% down at 6.66%. That is $2,082 principal and interest, $498 property tax, $135 homeowners insurance, $262 utilities and $338 set aside for maintenance.
What is the property tax rate in Ancient Oaks?
Ancient Oaks has an effective property tax rate of 1.475%, based on a median home value of $404,700 and median real estate taxes of $5,969. That is lower than the Lehigh County average of 1.663%.
What is the average home price in Ancient Oaks?
The median owner-occupied home value in Ancient Oaks, Pennsylvania is $404,700, against $276,100 across Lehigh County.
Is it cheaper to rent or buy in Ancient Oaks?
Median gross rent in Ancient Oaks is $1,830 a month, against $3,314 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 Ancient Oaks — 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.