Total monthly cost of ownership
Cost to Own a Home in Carroll Valley, Pennsylvania
A $287,000 home here costs
$2,395per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,475. The real number is $920 higher every month — 62% 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.
Carroll Valley against Adams County and Pennsylvania
| Measure | Carroll Valley | Adams County |
|---|---|---|
| Median home value | $287,400 | $256,100 |
| Median property tax | $3,881 | $3,569 |
| Effective tax rate | 1.350% | 1.394% |
| Median gross rent | — | $1,084 |
| Population | 3,962 | 105,183 |
The weather behind that power bill
Carroll Valley sits in Adams County, which averages a high of 86.2°F in its hottest month and a low of 20.8°F in its coldest, with 44.46" of precipitation a year and 28% of it in a single three-month stretch. That climate drives 871 cooling and 5,277 heating degree days, which is what sets the $194 electricity line above.
See the full climate breakdown for Adams County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Adams County
Full Adams County cost breakdown · Every county in Pennsylvania
Common questions
How much does it cost to own a home in Carroll Valley?
A $287,000 home in Carroll Valley, Pennsylvania costs approximately $2,395 per month with 20% down at 6.66%. That is $1,475 principal and interest, $323 property tax, $96 homeowners insurance, $262 utilities and $239 set aside for maintenance.
What is the property tax rate in Carroll Valley?
Carroll Valley has an effective property tax rate of 1.350%, based on a median home value of $287,400 and median real estate taxes of $3,881. That is lower than the Adams County average of 1.394%.
What is the average home price in Carroll Valley?
The median owner-occupied home value in Carroll Valley, Pennsylvania is $287,400, against $256,100 across Adams County.
Is it cheaper to rent or buy in Carroll Valley?
Rent data is not published for Carroll Valley at this level of detail.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Carroll Valley — 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.