Total monthly cost of ownership
Cost to Own a Home in Monessen, Pennsylvania
A $87,000 home here costs
$970per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $447. The real number is $523 higher every month — 117% 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.
Monessen against Westmoreland County and Pennsylvania
| Measure | Monessen | Westmoreland County |
|---|---|---|
| Median home value | $87,100 | $193,100 |
| Median property tax | $1,918 | $2,473 |
| Effective tax rate | 2.202% | 1.281% |
| Median gross rent | $678 | $843 |
| Population | 6,825 | 353,345 |
The weather behind that power bill
Monessen sits in Westmoreland County, which averages a high of 82.1°F in its hottest month and a low of 20.7°F in its coldest, with 43.94" of precipitation a year and 31% of it in a single three-month stretch. That climate drives 587 cooling and 5,855 heating degree days, which is what sets the $194 electricity line above.
See the full climate breakdown for Westmoreland County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Westmoreland County
Full Westmoreland County cost breakdown · Every county in Pennsylvania
Common questions
How much does it cost to own a home in Monessen?
A $87,000 home in Monessen, Pennsylvania costs approximately $970 per month with 20% down at 6.66%. That is $447 principal and interest, $160 property tax, $29 homeowners insurance, $262 utilities and $73 set aside for maintenance.
What is the property tax rate in Monessen?
Monessen has an effective property tax rate of 2.202%, based on a median home value of $87,100 and median real estate taxes of $1,918. That is higher than the Westmoreland County average of 1.281%.
What is the average home price in Monessen?
The median owner-occupied home value in Monessen, Pennsylvania is $87,100, against $193,100 across Westmoreland County.
Is it cheaper to rent or buy in Monessen?
Median gross rent in Monessen is $678 a month, against $970 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 Monessen — 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.