Total monthly cost of ownership
Cost to Own a Home in Arnold, Pennsylvania
A $77,000 home here costs
$888per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $396. The real number is $493 higher every month — 124% 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.
Arnold against Westmoreland County and Pennsylvania
| Measure | Arnold | Westmoreland County |
|---|---|---|
| Median home value | $76,800 | $193,100 |
| Median property tax | $1,687 | $2,473 |
| Effective tax rate | 2.197% | 1.281% |
| Median gross rent | $799 | $843 |
| Population | 4,738 | 353,345 |
The weather behind that power bill
Arnold sits in Westmoreland County, which averages a high of 82.1°F in its hottest month and a low of 20.7°F in its coldest, with 43.94" of precipitation a year and 31% of it in a single three-month stretch. That climate drives 587 cooling and 5,855 heating degree days, which is what sets the $194 electricity line above.
See the full climate breakdown for Westmoreland County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Westmoreland County
Full Westmoreland County cost breakdown · Every county in Pennsylvania
Common questions
How much does it cost to own a home in Arnold?
A $77,000 home in Arnold, Pennsylvania costs approximately $888 per month with 20% down at 6.66%. That is $396 principal and interest, $141 property tax, $26 homeowners insurance, $262 utilities and $64 set aside for maintenance.
What is the property tax rate in Arnold?
Arnold has an effective property tax rate of 2.197%, based on a median home value of $76,800 and median real estate taxes of $1,687. That is higher than the Westmoreland County average of 1.281%.
What is the average home price in Arnold?
The median owner-occupied home value in Arnold, Pennsylvania is $76,800, against $193,100 across Westmoreland County.
Is it cheaper to rent or buy in Arnold?
Median gross rent in Arnold is $799 a month, against $888 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 Arnold — 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.