Total monthly cost of ownership
Cost to Own a Home in Girardville, Pennsylvania
A $41,000 home here costs
$592per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $211. The real number is $382 higher every month — 181% 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.
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 $194 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
Common questions
How much does it cost to own a home in Girardville?
A $41,000 home in Girardville, Pennsylvania costs approximately $592 per month with 20% down at 6.66%. That is $211 principal and interest, $72 property tax, $14 homeowners insurance, $262 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 $592 to own the median home all in. Owning costs less month to month here, though renting builds no equity.
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.