Total monthly cost of ownership
Cost to Own a Home in Brockway, Pennsylvania
A $125,000 home here costs
$1,184per 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 $51,000 a year.
A standard mortgage calculator would have told you $681. The real number is $503 higher every month, 74% more than the payment most buyers budget for.
Compare Jefferson County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Brockway from a five-year rolling sample, and with about 2,044 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 Jefferson 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.
Brockway against Jefferson County and Pennsylvania
| Measure | Brockway | Jefferson County |
|---|---|---|
| Median home value | $125,200 | $126,700 |
| Median property tax | $1,333 | $1,411 |
| Effective tax rate | 1.065% | 1.114% |
| Median gross rent | $726 | $746 |
| Population | 2,044 | 44,099 |
The weather behind that power bill
Brockway sits in Jefferson County, which averages a high of 79.3°F in its hottest month and a low of 17.4°F in its coldest, with 42.42" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 413 cooling and 6,673 heating degree days, which is what sets the $178 electricity line above.
See the full climate breakdown for Jefferson County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Jefferson County
Full Jefferson County cost breakdown · Every county in Pennsylvania
Talk to someone who works this market
These are Brockway 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 Brockway every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Brockway I already own here and may sell
Common questions
How much does it cost to own a home in Brockway?
A $125,000 home in Brockway, Pennsylvania costs approximately $1,184 per month with 20% down at 7.24%. That is $681 principal and interest, $111 property tax, $42 homeowners insurance, $246 utilities and $104 set aside for maintenance.
What is the property tax rate in Brockway?
Brockway has an effective property tax rate of 1.065%, based on a median home value of $125,200 and median real estate taxes of $1,333. That is lower than the Jefferson County average of 1.114%.
What is the average home price in Brockway?
The median owner-occupied home value in Brockway, Pennsylvania is $125,200, against $126,700 across Jefferson County.
Is it cheaper to rent or buy in Brockway?
Median gross rent in Brockway is $726 a month, against $1,184 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Brockway?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Brockway, Pennsylvania at today's rate takes a household income of roughly $51,000 a year. That covers the full $1,184 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Brockway, 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.