Total monthly cost of ownership
Cost to Own a Home in Jim Thorpe, Pennsylvania
A $177,000 home here costs
$1,609per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $910. The real number is $699 higher every month — 77% 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.
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 $194 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
Common questions
How much does it cost to own a home in Jim Thorpe?
A $177,000 home in Jim Thorpe, Pennsylvania costs approximately $1,609 per month with 20% down at 6.66%. That is $910 principal and interest, $230 property tax, $59 homeowners insurance, $262 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 $1,609 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 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.