Total monthly cost of ownership
Cost to Own a Home in McGovern, Pennsylvania
A $304,000 home here costs
$2,387per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,563. The real number is $824 higher every month — 53% 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.
McGovern against Washington County and Pennsylvania
| Measure | McGovern | Washington County |
|---|---|---|
| Median home value | $304,400 | $220,600 |
| Median property tax | $2,494 | $2,445 |
| Effective tax rate | 0.819% | 1.108% |
| Median gross rent | $1,166 | $922 |
| Population | 4,290 | 209,778 |
The weather behind that power bill
McGovern sits in Washington County, which averages a high of 83.4°F in its hottest month and a low of 20.0°F in its coldest, with 41.34" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 762 cooling and 5,674 heating degree days, which is what sets the $194 electricity line above.
See the full climate breakdown for Washington County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Washington County
Full Washington County cost breakdown · Every county in Pennsylvania
Common questions
How much does it cost to own a home in McGovern?
A $304,000 home in McGovern, Pennsylvania costs approximately $2,387 per month with 20% down at 6.66%. That is $1,563 principal and interest, $207 property tax, $102 homeowners insurance, $262 utilities and $253 set aside for maintenance.
What is the property tax rate in McGovern?
McGovern has an effective property tax rate of 0.819%, based on a median home value of $304,400 and median real estate taxes of $2,494. That is lower than the Washington County average of 1.108%.
What is the average home price in McGovern?
The median owner-occupied home value in McGovern, Pennsylvania is $304,400, against $220,600 across Washington County.
Is it cheaper to rent or buy in McGovern?
Median gross rent in McGovern is $1,166 a month, against $2,387 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 McGovern — 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.