Total monthly cost of ownership
Cost to Own a Home in Ferndale, Pennsylvania
A $82,000 home here costs
$905per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $422. The real number is $483 higher every month — 115% 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.
Ferndale against Cambria County and Pennsylvania
| Measure | Ferndale | Cambria County |
|---|---|---|
| Median home value | $81,600 | $115,900 |
| Median property tax | $1,503 | $1,487 |
| Effective tax rate | 1.842% | 1.283% |
| Median gross rent | $836 | $733 |
| Population | 1,537 | 132,355 |
The weather behind that power bill
Ferndale 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 Ferndale?
A $82,000 home in Ferndale, Pennsylvania costs approximately $905 per month with 20% down at 6.66%. That is $422 principal and interest, $126 property tax, $27 homeowners insurance, $262 utilities and $68 set aside for maintenance.
What is the property tax rate in Ferndale?
Ferndale has an effective property tax rate of 1.842%, based on a median home value of $81,600 and median real estate taxes of $1,503. That is higher than the Cambria County average of 1.283%.
What is the average home price in Ferndale?
The median owner-occupied home value in Ferndale, Pennsylvania is $81,600, against $115,900 across Cambria County.
Is it cheaper to rent or buy in Ferndale?
Median gross rent in Ferndale is $836 a month, against $905 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 Ferndale — 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.