Total monthly cost of ownership
Cost to Own a Home in Jim Thorpe, Pennsylvania
A $177,000 home here costs
$1,648per 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 $70,500 a year.
A standard mortgage calculator would have told you $965. The real number is $683 higher every month, 71% more than the payment most buyers budget for.
Compare Carbon County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Jim Thorpe from a five-year rolling sample, and with about 4,534 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 Carbon 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.
Jim Thorpe against Carbon County and Pennsylvania
| Measure | Jim Thorpe | Carbon County |
|---|---|---|
| Median home value | $177,400 | $193,700 |
| Median property tax | $2,770 | $2,914 |
| Effective tax rate | 1.561% | 1.504% |
| Median gross rent | $831 | $975 |
| Population | 4,534 | 65,191 |
The weather behind that power bill
Jim Thorpe sits in Carbon County, which averages a high of 81.7°F in its hottest month and a low of 18.7°F in its coldest, with 51.89" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 581 cooling and 6,027 heating degree days, which is what sets the $178 electricity line above.
See the full climate breakdown for Carbon County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Carbon County
Full Carbon County cost breakdown · Every county in Pennsylvania
Talk to someone who works this market
These are Jim Thorpe 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 Jim Thorpe every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Jim Thorpe I already own here and may sell
Common questions
How much does it cost to own a home in Jim Thorpe?
A $177,000 home in Jim Thorpe, Pennsylvania costs approximately $1,648 per month with 20% down at 7.24%. That is $965 principal and interest, $230 property tax, $59 homeowners insurance, $246 utilities and $148 set aside for maintenance.
What is the property tax rate in Jim Thorpe?
Jim Thorpe has an effective property tax rate of 1.561%, based on a median home value of $177,400 and median real estate taxes of $2,770. That is higher than the Carbon County average of 1.504%.
What is the average home price in Jim Thorpe?
The median owner-occupied home value in Jim Thorpe, Pennsylvania is $177,400, against $193,700 across Carbon County.
Is it cheaper to rent or buy in Jim Thorpe?
Median gross rent in Jim Thorpe is $831 a month, against $1,648 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 Jim Thorpe?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Jim Thorpe, Pennsylvania at today's rate takes a household income of roughly $70,500 a year. That covers the full $1,648 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Jim Thorpe, 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.