Total monthly cost of ownership
Cost to Own a Home in Coatesville, Pennsylvania
A $161,000 home here costs
$1,571per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $828. The real number is $743 higher every month — 90% 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.
Coatesville against Chester County and Pennsylvania
| Measure | Coatesville | Chester County |
|---|---|---|
| Median home value | $160,500 | $461,800 |
| Median property tax | $3,508 | $6,191 |
| Effective tax rate | 2.186% | 1.341% |
| Median gross rent | $1,464 | $1,691 |
| Population | 13,323 | 540,896 |
The weather behind that power bill
Coatesville sits in Chester County, which averages a high of 83.6°F in its hottest month and a low of 22.7°F in its coldest, with 47.14" of precipitation a year and 27% of it in a single three-month stretch. That climate drives 778 cooling and 5,359 heating degree days, which is what sets the $194 electricity line above.
See the full climate breakdown for Chester County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Chester County
Full Chester County cost breakdown · Every county in Pennsylvania
Common questions
How much does it cost to own a home in Coatesville?
A $161,000 home in Coatesville, Pennsylvania costs approximately $1,571 per month with 20% down at 6.66%. That is $828 principal and interest, $293 property tax, $54 homeowners insurance, $262 utilities and $134 set aside for maintenance.
What is the property tax rate in Coatesville?
Coatesville has an effective property tax rate of 2.186%, based on a median home value of $160,500 and median real estate taxes of $3,508. That is higher than the Chester County average of 1.341%.
What is the average home price in Coatesville?
The median owner-occupied home value in Coatesville, Pennsylvania is $160,500, against $461,800 across Chester County.
Is it cheaper to rent or buy in Coatesville?
Median gross rent in Coatesville is $1,464 a month, against $1,571 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 Coatesville — 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.