Total monthly cost of ownership
Cost to Own a Home in Milroy, Pennsylvania
A $110,000 home here costs
$1,117per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $566. The real number is $551 higher every month — 97% 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.
Milroy against Mifflin County and Pennsylvania
| Measure | Milroy | Mifflin County |
|---|---|---|
| Median home value | $110,100 | $142,900 |
| Median property tax | $1,934 | $2,227 |
| Effective tax rate | 1.757% | 1.558% |
| Median gross rent | $686 | $792 |
| Population | 1,393 | 46,074 |
The weather behind that power bill
Milroy sits in Mifflin County, which averages a high of 85.3°F in its hottest month and a low of 21.0°F in its coldest, with 42.14" of precipitation a year and 28% of it in a single three-month stretch. That climate drives 832 cooling and 5,570 heating degree days, which is what sets the $194 electricity line above.
See the full climate breakdown for Mifflin County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Mifflin County
Full Mifflin County cost breakdown · Every county in Pennsylvania
Common questions
How much does it cost to own a home in Milroy?
A $110,000 home in Milroy, Pennsylvania costs approximately $1,117 per month with 20% down at 6.66%. That is $566 principal and interest, $161 property tax, $37 homeowners insurance, $262 utilities and $92 set aside for maintenance.
What is the property tax rate in Milroy?
Milroy has an effective property tax rate of 1.757%, based on a median home value of $110,100 and median real estate taxes of $1,934. That is higher than the Mifflin County average of 1.558%.
What is the average home price in Milroy?
The median owner-occupied home value in Milroy, Pennsylvania is $110,100, against $142,900 across Mifflin County.
Is it cheaper to rent or buy in Milroy?
Median gross rent in Milroy is $686 a month, against $1,117 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 Milroy — 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.