Total monthly cost of ownership
Cost to Own a Home in Belfast, Pennsylvania
A $264,000 home here costs
$2,374per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $101,500 a year.
A standard mortgage calculator would have told you $1,439. The real number is $934 higher every month, 65% more than the payment most buyers budget for.
Compare Northampton County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Belfast from a five-year rolling sample, and with about 1,239 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Northampton County figures are drawn from a far larger sample if you want a steadier number.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Belfast against Northampton County and Pennsylvania
| Measure | Belfast | Northampton County |
|---|---|---|
| Median home value | $264,400 | $285,000 |
| Median property tax | $4,571 | $4,710 |
| Effective tax rate | 1.729% | 1.653% |
| Median gross rent | — | $1,335 |
| Population | 1,239 | 315,927 |
The weather behind that power bill
Belfast 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 $178 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
Talk to someone who works this market
These are Belfast averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Belfast every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Belfast I already own here and may sell
Common questions
How much does it cost to own a home in Belfast?
A $264,000 home in Belfast, Pennsylvania costs approximately $2,374 per month with 20% down at 7.24%. That is $1,439 principal and interest, $380 property tax, $88 homeowners insurance, $246 utilities and $220 set aside for maintenance.
What is the property tax rate in Belfast?
Belfast has an effective property tax rate of 1.729%, based on a median home value of $264,400 and median real estate taxes of $4,571. That is higher than the Northampton County average of 1.653%.
What is the average home price in Belfast?
The median owner-occupied home value in Belfast, Pennsylvania is $264,400, against $285,000 across Northampton County.
Is it cheaper to rent or buy in Belfast?
Rent data is not published for Belfast at this level of detail.
What salary do you need to buy a home in Belfast?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Belfast, Pennsylvania at today's rate takes a household income of roughly $101,500 a year. That covers the full $2,374 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Belfast, 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.