Total monthly cost of ownership
Cost to Own a Home in Martinsburg, Pennsylvania
A $153,000 home here costs
$1,375per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $787. The real number is $589 higher every month — 75% 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.
Martinsburg against Blair County and Pennsylvania
| Measure | Martinsburg | Blair County |
|---|---|---|
| Median home value | $153,200 | $156,700 |
| Median property tax | $1,783 | $1,711 |
| Effective tax rate | 1.164% | 1.092% |
| Median gross rent | $790 | $854 |
| Population | 1,724 | 121,854 |
The weather behind that power bill
Martinsburg sits in Blair County, which averages a high of 82.9°F in its hottest month and a low of 21.3°F in its coldest, with 36.65" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 691 cooling and 5,764 heating degree days, which is what sets the $194 electricity line above.
See the full climate breakdown for Blair County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Blair County
Full Blair County cost breakdown · Every county in Pennsylvania
Common questions
How much does it cost to own a home in Martinsburg?
A $153,000 home in Martinsburg, Pennsylvania costs approximately $1,375 per month with 20% down at 6.66%. That is $787 principal and interest, $148 property tax, $51 homeowners insurance, $262 utilities and $128 set aside for maintenance.
What is the property tax rate in Martinsburg?
Martinsburg has an effective property tax rate of 1.164%, based on a median home value of $153,200 and median real estate taxes of $1,783. That is higher than the Blair County average of 1.092%.
What is the average home price in Martinsburg?
The median owner-occupied home value in Martinsburg, Pennsylvania is $153,200, against $156,700 across Blair County.
Is it cheaper to rent or buy in Martinsburg?
Median gross rent in Martinsburg is $790 a month, against $1,375 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 Martinsburg — 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.