Total monthly cost of ownership
Cost to Own a Home in Girard, Pennsylvania
A $168,000 home here costs
$1,470per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $864. The real number is $607 higher every month — 70% 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.
Girard against Erie County and Pennsylvania
| Measure | Girard | Erie County |
|---|---|---|
| Median home value | $168,100 | $169,500 |
| Median property tax | $1,787 | $2,754 |
| Effective tax rate | 1.063% | 1.625% |
| Median gross rent | $640 | $876 |
| Population | 2,979 | 269,544 |
The weather behind that power bill
Girard sits in Erie County, which averages a high of 81.1°F in its hottest month and a low of 21.3°F in its coldest, with 42.98" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 752 cooling and 5,905 heating degree days, which is what sets the $194 electricity line above.
See the full climate breakdown for Erie County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Erie County
Full Erie County cost breakdown · Every county in Pennsylvania
Common questions
How much does it cost to own a home in Girard?
A $168,000 home in Girard, Pennsylvania costs approximately $1,470 per month with 20% down at 6.66%. That is $864 principal and interest, $149 property tax, $56 homeowners insurance, $262 utilities and $140 set aside for maintenance.
What is the property tax rate in Girard?
Girard has an effective property tax rate of 1.063%, based on a median home value of $168,100 and median real estate taxes of $1,787. That is lower than the Erie County average of 1.625%.
What is the average home price in Girard?
The median owner-occupied home value in Girard, Pennsylvania is $168,100, against $169,500 across Erie County.
Is it cheaper to rent or buy in Girard?
Median gross rent in Girard is $640 a month, against $1,470 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 Girard — 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.