Total monthly cost of ownership
Cost to Own a Home in Hawley, Pennsylvania
A $174,000 home here costs
$1,547per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $895. The real number is $653 higher every month — 73% 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.
Hawley against Wayne County and Pennsylvania
| Measure | Hawley | Wayne County |
|---|---|---|
| Median home value | $173,500 | $228,200 |
| Median property tax | $2,250 | $2,882 |
| Effective tax rate | 1.297% | 1.263% |
| Median gross rent | $1,004 | $979 |
| Population | 1,104 | 51,189 |
The weather behind that power bill
Hawley sits in Wayne County, which averages a high of 77.3°F in its hottest month and a low of 11.9°F in its coldest, with 51.44" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 236 cooling and 7,837 heating degree days, which is what sets the $194 electricity line above.
See the full climate breakdown for Wayne County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Wayne County
Full Wayne County cost breakdown · Every county in Pennsylvania
Common questions
How much does it cost to own a home in Hawley?
A $174,000 home in Hawley, Pennsylvania costs approximately $1,547 per month with 20% down at 6.66%. That is $895 principal and interest, $188 property tax, $58 homeowners insurance, $262 utilities and $145 set aside for maintenance.
What is the property tax rate in Hawley?
Hawley has an effective property tax rate of 1.297%, based on a median home value of $173,500 and median real estate taxes of $2,250. That is higher than the Wayne County average of 1.263%.
What is the average home price in Hawley?
The median owner-occupied home value in Hawley, Pennsylvania is $173,500, against $228,200 across Wayne County.
Is it cheaper to rent or buy in Hawley?
Median gross rent in Hawley is $1,004 a month, against $1,547 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 Hawley — 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.