Total monthly cost of ownership
Cost to Own a Home in Chadds Ford, Pennsylvania
A $486,000 home here costs
$3,885per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,499. The real number is $1,387 higher every month — 56% 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.
Chadds Ford against Delaware County and Pennsylvania
| Measure | Chadds Ford | Delaware County |
|---|---|---|
| Median home value | $485,500 | $302,400 |
| Median property tax | $6,684 | $6,001 |
| Effective tax rate | 1.377% | 1.984% |
| Median gross rent | — | $1,315 |
| Population | 1,403 | 576,195 |
Chadds Ford extends across 2 counties. Figures here use Delaware County, where most of its housing sits.
The weather behind that power bill
Chadds Ford sits in Delaware County, which averages a high of 87.8°F in its hottest month and a low of 26.0°F in its coldest, with 44.11" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 1,358 cooling and 4,510 heating degree days, which is what sets the $194 electricity line above.
See the full climate breakdown for Delaware County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Delaware County
Full Delaware County cost breakdown · Every county in Pennsylvania
Common questions
How much does it cost to own a home in Chadds Ford?
A $486,000 home in Chadds Ford, Pennsylvania costs approximately $3,885 per month with 20% down at 6.66%. That is $2,499 principal and interest, $558 property tax, $162 homeowners insurance, $262 utilities and $405 set aside for maintenance.
What is the property tax rate in Chadds Ford?
Chadds Ford has an effective property tax rate of 1.377%, based on a median home value of $485,500 and median real estate taxes of $6,684. That is lower than the Delaware County average of 1.984%.
What is the average home price in Chadds Ford?
The median owner-occupied home value in Chadds Ford, Pennsylvania is $485,500, against $302,400 across Delaware County.
Is it cheaper to rent or buy in Chadds Ford?
Rent data is not published for Chadds Ford at this level of detail.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Chadds Ford — 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.