Total monthly cost of ownership
Cost to Own a Home in Hampton, Pennsylvania
A $125,000 home here costs
$1,228per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $643. The real number is $585 higher every month — 91% 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.
Hampton against Adams County and Pennsylvania
| Measure | Hampton | Adams County |
|---|---|---|
| Median home value | $124,900 | $256,100 |
| Median property tax | $2,127 | $3,569 |
| Effective tax rate | 1.703% | 1.394% |
| Median gross rent | $1,017 | $1,084 |
| Population | 1,627 | 105,183 |
The weather behind that power bill
Hampton sits in Adams County, which averages a high of 86.2°F in its hottest month and a low of 20.8°F in its coldest, with 44.46" of precipitation a year and 28% of it in a single three-month stretch. That climate drives 871 cooling and 5,277 heating degree days, which is what sets the $194 electricity line above.
See the full climate breakdown for Adams County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Adams County
Full Adams County cost breakdown · Every county in Pennsylvania
Common questions
How much does it cost to own a home in Hampton?
A $125,000 home in Hampton, Pennsylvania costs approximately $1,228 per month with 20% down at 6.66%. That is $643 principal and interest, $177 property tax, $42 homeowners insurance, $262 utilities and $104 set aside for maintenance.
What is the property tax rate in Hampton?
Hampton has an effective property tax rate of 1.703%, based on a median home value of $124,900 and median real estate taxes of $2,127. That is higher than the Adams County average of 1.394%.
What is the average home price in Hampton?
The median owner-occupied home value in Hampton, Pennsylvania is $124,900, against $256,100 across Adams County.
Is it cheaper to rent or buy in Hampton?
Median gross rent in Hampton is $1,017 a month, against $1,228 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 Hampton — 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.