Total monthly cost of ownership
Cost to Own a Home in Girardville, Pennsylvania
A $41,000 home here costs
$589per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $25,500 a year.
A standard mortgage calculator would have told you $224. The real number is $366 higher every month, 164% more than the payment most buyers budget for.
Compare Schuylkill County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Girardville from a five-year rolling sample, and with about 1,094 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 Schuylkill 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.
Girardville against Schuylkill County and Pennsylvania
| Measure | Girardville | Schuylkill County |
|---|---|---|
| Median home value | $41,200 | $140,400 |
| Median property tax | $868 | $2,147 |
| Effective tax rate | 2.107% | 1.529% |
| Median gross rent | $613 | $842 |
| Population | 1,094 | 143,259 |
The weather behind that power bill
Girardville sits in Schuylkill County, which averages a high of 80.2°F in its hottest month and a low of 17.6°F in its coldest, with 53.59" of precipitation a year and 28% of it in a single three-month stretch. That climate drives 452 cooling and 6,616 heating degree days, which is what sets the $178 electricity line above.
See the full climate breakdown for Schuylkill County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Schuylkill County
Full Schuylkill County cost breakdown · Every county in Pennsylvania
Talk to someone who works this market
These are Girardville 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 Girardville every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Girardville I already own here and may sell
Common questions
How much does it cost to own a home in Girardville?
A $41,000 home in Girardville, Pennsylvania costs approximately $589 per month with 20% down at 7.24%. That is $224 principal and interest, $72 property tax, $14 homeowners insurance, $246 utilities and $34 set aside for maintenance.
What is the property tax rate in Girardville?
Girardville has an effective property tax rate of 2.107%, based on a median home value of $41,200 and median real estate taxes of $868. That is higher than the Schuylkill County average of 1.529%.
What is the average home price in Girardville?
The median owner-occupied home value in Girardville, Pennsylvania is $41,200, against $140,400 across Schuylkill County.
Is it cheaper to rent or buy in Girardville?
Median gross rent in Girardville is $613 a month, against $589 to own the median home all in. Owning costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Girardville?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Girardville, Pennsylvania at today's rate takes a household income of roughly $25,500 a year. That covers the full $589 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Girardville, 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.