Total monthly cost of ownership
Cost to Own a Home in Cambridge Springs, Pennsylvania
A $107,000 home here costs
$1,082per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $550. The real number is $532 higher every month — 97% 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.
Cambridge Springs against Crawford County and Pennsylvania
| Measure | Cambridge Springs | Crawford County |
|---|---|---|
| Median home value | $107,200 | $143,400 |
| Median property tax | $1,746 | $2,099 |
| Effective tax rate | 1.629% | 1.464% |
| Median gross rent | $640 | $800 |
| Population | 2,357 | 83,189 |
The weather behind that power bill
Cambridge Springs sits in Crawford County, which averages a high of 80.4°F in its hottest month and a low of 18.4°F in its coldest, with 41.42" of precipitation a year and 31% of it in a single three-month stretch. That climate drives 511 cooling and 6,454 heating degree days, which is what sets the $194 electricity line above.
See the full climate breakdown for Crawford County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Crawford County
Full Crawford County cost breakdown · Every county in Pennsylvania
Common questions
How much does it cost to own a home in Cambridge Springs?
A $107,000 home in Cambridge Springs, Pennsylvania costs approximately $1,082 per month with 20% down at 6.66%. That is $550 principal and interest, $145 property tax, $36 homeowners insurance, $262 utilities and $89 set aside for maintenance.
What is the property tax rate in Cambridge Springs?
Cambridge Springs has an effective property tax rate of 1.629%, based on a median home value of $107,200 and median real estate taxes of $1,746. That is higher than the Crawford County average of 1.464%.
What is the average home price in Cambridge Springs?
The median owner-occupied home value in Cambridge Springs, Pennsylvania is $107,200, against $143,400 across Crawford County.
Is it cheaper to rent or buy in Cambridge Springs?
Median gross rent in Cambridge Springs is $640 a month, against $1,082 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 Cambridge Springs — 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.