Total monthly cost of ownership
Cost to Own a Home in Middleburg, Pennsylvania
A $151,000 home here costs
$1,329per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $776. The real number is $553 higher every month — 71% 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.
Middleburg against Snyder County and Pennsylvania
| Measure | Middleburg | Snyder County |
|---|---|---|
| Median home value | $151,000 | $205,500 |
| Median property tax | $1,378 | $2,402 |
| Effective tax rate | 0.913% | 1.169% |
| Median gross rent | $814 | $890 |
| Population | 1,321 | 39,711 |
The weather behind that power bill
Middleburg sits in Snyder County, which averages a high of 84.3°F in its hottest month and a low of 19.7°F in its coldest, with 40.91" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 743 cooling and 5,790 heating degree days, which is what sets the $194 electricity line above.
See the full climate breakdown for Snyder County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Snyder County
Full Snyder County cost breakdown · Every county in Pennsylvania
Common questions
How much does it cost to own a home in Middleburg?
A $151,000 home in Middleburg, Pennsylvania costs approximately $1,329 per month with 20% down at 6.66%. That is $776 principal and interest, $115 property tax, $50 homeowners insurance, $262 utilities and $126 set aside for maintenance.
What is the property tax rate in Middleburg?
Middleburg has an effective property tax rate of 0.913%, based on a median home value of $151,000 and median real estate taxes of $1,378. That is lower than the Snyder County average of 1.169%.
What is the average home price in Middleburg?
The median owner-occupied home value in Middleburg, Pennsylvania is $151,000, against $205,500 across Snyder County.
Is it cheaper to rent or buy in Middleburg?
Median gross rent in Middleburg is $814 a month, against $1,329 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 Middleburg — 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.