Total monthly cost of ownership
Cost to Own a Home in Bloomfield, Pennsylvania
A $218,000 home here costs
$1,880per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,121. The real number is $759 higher every month — 68% 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.
Bloomfield against Perry County and Pennsylvania
| Measure | Bloomfield | Perry County |
|---|---|---|
| Median home value | $218,100 | $222,800 |
| Median property tax | $2,912 | $2,775 |
| Effective tax rate | 1.335% | 1.246% |
| Median gross rent | $1,122 | $838 |
| Population | 1,224 | 45,988 |
The weather behind that power bill
Bloomfield sits in Perry County, which averages a high of 83.5°F in its hottest month and a low of 21.5°F in its coldest, with 43.72" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 773 cooling and 5,543 heating degree days, which is what sets the $194 electricity line above.
See the full climate breakdown for Perry County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Perry County
Full Perry County cost breakdown · Every county in Pennsylvania
Common questions
How much does it cost to own a home in Bloomfield?
A $218,000 home in Bloomfield, Pennsylvania costs approximately $1,880 per month with 20% down at 6.66%. That is $1,121 principal and interest, $243 property tax, $73 homeowners insurance, $262 utilities and $182 set aside for maintenance.
What is the property tax rate in Bloomfield?
Bloomfield has an effective property tax rate of 1.335%, based on a median home value of $218,100 and median real estate taxes of $2,912. That is higher than the Perry County average of 1.246%.
What is the average home price in Bloomfield?
The median owner-occupied home value in Bloomfield, Pennsylvania is $218,100, against $222,800 across Perry County.
Is it cheaper to rent or buy in Bloomfield?
Median gross rent in Bloomfield is $1,122 a month, against $1,880 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 Bloomfield — 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.