Total monthly cost of ownership
Cost to Own a Home in Girard, Pennsylvania
A $168,000 home here costs
$1,514per month, all in, with 20% down at today's 7.32% 30-year fixed rate. By the 28% rule that takes a household income of about $65,000 a year.
A standard mortgage calculator would have told you $923. The real number is $591 higher every month, 64% more than the payment most buyers budget for.
Compare Erie County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Girard from a five-year rolling sample, and with about 2,979 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Erie County figures are drawn from a far larger sample if you want a steadier number.
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 $178 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
Talk to someone who works this market
These are Girard averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Girard every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Girard I already own here and may sell
Common questions
How much does it cost to own a home in Girard?
A $168,000 home in Girard, Pennsylvania costs approximately $1,514 per month with 20% down at 7.32%. That is $923 principal and interest, $149 property tax, $56 homeowners insurance, $246 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 $1,514 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Girard?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Girard, Pennsylvania at today's rate takes a household income of roughly $65,000 a year. That covers the full $1,514 monthly cost, not just the mortgage payment.
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.