Total monthly cost of ownership
Cost to Own a Home in Dover, Pennsylvania
A $192,000 home here costs
$1,763per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $987. The real number is $776 higher every month — 79% 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.
Dover against York County and Pennsylvania
| Measure | Dover | York County |
|---|---|---|
| Median home value | $192,200 | $235,000 |
| Median property tax | $3,486 | $3,947 |
| Effective tax rate | 1.814% | 1.680% |
| Median gross rent | $1,102 | $1,150 |
| Population | 2,004 | 459,312 |
The weather behind that power bill
Dover sits in York County, which averages a high of 87.7°F in its hottest month and a low of 21.3°F in its coldest, with 46.46" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 1,025 cooling and 5,017 heating degree days, which is what sets the $194 electricity line above.
See the full climate breakdown for York County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in York County
Full York County cost breakdown · Every county in Pennsylvania
Common questions
How much does it cost to own a home in Dover?
A $192,000 home in Dover, Pennsylvania costs approximately $1,763 per month with 20% down at 6.66%. That is $987 principal and interest, $290 property tax, $64 homeowners insurance, $262 utilities and $160 set aside for maintenance.
What is the property tax rate in Dover?
Dover has an effective property tax rate of 1.814%, based on a median home value of $192,200 and median real estate taxes of $3,486. That is higher than the York County average of 1.680%.
What is the average home price in Dover?
The median owner-occupied home value in Dover, Pennsylvania is $192,200, against $235,000 across York County.
Is it cheaper to rent or buy in Dover?
Median gross rent in Dover is $1,102 a month, against $1,763 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 Dover — 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.