Total monthly cost of ownership
Cost to Own a Home in Emporium, Pennsylvania
A $71,000 home here costs
$830per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $365. The real number is $465 higher every month — 127% 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.
Emporium against Cameron County and Pennsylvania
| Measure | Emporium | Cameron County |
|---|---|---|
| Median home value | $70,800 | $88,200 |
| Median property tax | $1,442 | $1,470 |
| Effective tax rate | 2.037% | 1.667% |
| Median gross rent | $687 | $699 |
| Population | 2,005 | 4,475 |
The weather behind that power bill
Emporium sits in Cameron County, which averages a high of 82.0°F in its hottest month and a low of 16.0°F in its coldest, with 43.84" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 509 cooling and 6,562 heating degree days, which is what sets the $194 electricity line above.
See the full climate breakdown for Cameron County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Cameron County
No other places of this size are published in Cameron County.
Full Cameron County cost breakdown · Every county in Pennsylvania
Common questions
How much does it cost to own a home in Emporium?
A $71,000 home in Emporium, Pennsylvania costs approximately $830 per month with 20% down at 6.66%. That is $365 principal and interest, $121 property tax, $24 homeowners insurance, $262 utilities and $59 set aside for maintenance.
What is the property tax rate in Emporium?
Emporium has an effective property tax rate of 2.037%, based on a median home value of $70,800 and median real estate taxes of $1,442. That is higher than the Cameron County average of 1.667%.
What is the average home price in Emporium?
The median owner-occupied home value in Emporium, Pennsylvania is $70,800, against $88,200 across Cameron County.
Is it cheaper to rent or buy in Emporium?
Median gross rent in Emporium is $687 a month, against $830 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 Emporium — 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.