Total monthly cost of ownership
Cost to Own a Home in Elim, Pennsylvania
A $120,000 home here costs
$1,196per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $617. The real number is $579 higher every month — 94% 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.
Elim against Cambria County and Pennsylvania
| Measure | Elim | Cambria County |
|---|---|---|
| Median home value | $120,100 | $115,900 |
| Median property tax | $2,130 | $1,487 |
| Effective tax rate | 1.774% | 1.283% |
| Median gross rent | $895 | $733 |
| Population | 3,828 | 132,355 |
The weather behind that power bill
Elim sits in Cambria County, which averages a high of 78.7°F in its hottest month and a low of 15.9°F in its coldest, with 48.68" of precipitation a year and 28% of it in a single three-month stretch. That climate drives 294 cooling and 6,963 heating degree days, which is what sets the $194 electricity line above.
See the full climate breakdown for Cambria County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Cambria County
Full Cambria County cost breakdown · Every county in Pennsylvania
Common questions
How much does it cost to own a home in Elim?
A $120,000 home in Elim, Pennsylvania costs approximately $1,196 per month with 20% down at 6.66%. That is $617 principal and interest, $177 property tax, $40 homeowners insurance, $262 utilities and $100 set aside for maintenance.
What is the property tax rate in Elim?
Elim has an effective property tax rate of 1.774%, based on a median home value of $120,100 and median real estate taxes of $2,130. That is higher than the Cambria County average of 1.283%.
What is the average home price in Elim?
The median owner-occupied home value in Elim, Pennsylvania is $120,100, against $115,900 across Cambria County.
Is it cheaper to rent or buy in Elim?
Median gross rent in Elim is $895 a month, against $1,196 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 Elim — 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.