Total monthly cost of ownership
Cost to Own a Home in Kingston, Pennsylvania
A $164,000 home here costs
$1,513per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $843. The real number is $670 higher every month — 79% 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.
Kingston against Luzerne County and Pennsylvania
| Measure | Kingston | Luzerne County |
|---|---|---|
| Median home value | $164,200 | $163,800 |
| Median property tax | $2,606 | $2,506 |
| Effective tax rate | 1.587% | 1.530% |
| Median gross rent | $960 | $958 |
| Population | 13,333 | 325,978 |
The weather behind that power bill
Kingston sits in Luzerne County, which averages a high of 84.6°F in its hottest month and a low of 20.3°F in its coldest, with 38.72" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 791 cooling and 5,740 heating degree days, which is what sets the $194 electricity line above.
See the full climate breakdown for Luzerne County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Luzerne County
Full Luzerne County cost breakdown · Every county in Pennsylvania
Common questions
How much does it cost to own a home in Kingston?
A $164,000 home in Kingston, Pennsylvania costs approximately $1,513 per month with 20% down at 6.66%. That is $843 principal and interest, $217 property tax, $55 homeowners insurance, $262 utilities and $137 set aside for maintenance.
What is the property tax rate in Kingston?
Kingston has an effective property tax rate of 1.587%, based on a median home value of $164,200 and median real estate taxes of $2,606. That is higher than the Luzerne County average of 1.530%.
What is the average home price in Kingston?
The median owner-occupied home value in Kingston, Pennsylvania is $164,200, against $163,800 across Luzerne County.
Is it cheaper to rent or buy in Kingston?
Median gross rent in Kingston is $960 a month, against $1,513 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 Kingston — 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.