Total monthly cost of ownership
Cost to Own a Home in Bath, Pennsylvania
A $229,000 home here costs
$2,016per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,177. The real number is $839 higher every month — 71% 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.
Bath against Northampton County and Pennsylvania
| Measure | Bath | Northampton County |
|---|---|---|
| Median home value | $228,500 | $285,000 |
| Median property tax | $3,709 | $4,710 |
| Effective tax rate | 1.623% | 1.653% |
| Median gross rent | $1,173 | $1,335 |
| Population | 2,829 | 315,927 |
The weather behind that power bill
Bath sits in Northampton 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 Northampton County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Northampton County
Full Northampton County cost breakdown · Every county in Pennsylvania
Common questions
How much does it cost to own a home in Bath?
A $229,000 home in Bath, Pennsylvania costs approximately $2,016 per month with 20% down at 6.66%. That is $1,177 principal and interest, $310 property tax, $77 homeowners insurance, $262 utilities and $191 set aside for maintenance.
What is the property tax rate in Bath?
Bath has an effective property tax rate of 1.623%, based on a median home value of $228,500 and median real estate taxes of $3,709. That is lower than the Northampton County average of 1.653%.
What is the average home price in Bath?
The median owner-occupied home value in Bath, Pennsylvania is $228,500, against $285,000 across Northampton County.
Is it cheaper to rent or buy in Bath?
Median gross rent in Bath is $1,173 a month, against $2,016 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 Bath — 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.