Total monthly cost of ownership
Cost to Own a Home in Mount Union, Pennsylvania
A $99,000 home here costs
$1,004per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $43,000 a year.
A standard mortgage calculator would have told you $540. The real number is $464 higher every month, 86% more than the payment most buyers budget for.
Compare Huntingdon County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Mount Union from a five-year rolling sample, and with about 2,349 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Huntingdon County figures are drawn from a far larger sample if you want a steadier number.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Mount Union against Huntingdon County and Pennsylvania
| Measure | Mount Union | Huntingdon County |
|---|---|---|
| Median home value | $99,000 | $180,300 |
| Median property tax | $1,235 | $1,648 |
| Effective tax rate | 1.247% | 0.914% |
| Median gross rent | $495 | $795 |
| Population | 2,349 | 43,844 |
The weather behind that power bill
Mount Union sits in Huntingdon County, which averages a high of 84.7°F in its hottest month and a low of 21.1°F in its coldest, with 40.71" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 840 cooling and 5,559 heating degree days, which is what sets the $178 electricity line above.
See the full climate breakdown for Huntingdon County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Huntingdon County
Full Huntingdon County cost breakdown · Every county in Pennsylvania
Talk to someone who works this market
These are Mount Union averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Mount Union every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Mount Union I already own here and may sell
Common questions
How much does it cost to own a home in Mount Union?
A $99,000 home in Mount Union, Pennsylvania costs approximately $1,004 per month with 20% down at 7.24%. That is $540 principal and interest, $103 property tax, $33 homeowners insurance, $246 utilities and $83 set aside for maintenance.
What is the property tax rate in Mount Union?
Mount Union has an effective property tax rate of 1.247%, based on a median home value of $99,000 and median real estate taxes of $1,235. That is higher than the Huntingdon County average of 0.914%.
What is the average home price in Mount Union?
The median owner-occupied home value in Mount Union, Pennsylvania is $99,000, against $180,300 across Huntingdon County.
Is it cheaper to rent or buy in Mount Union?
Median gross rent in Mount Union is $495 a month, against $1,004 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Mount Union?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Mount Union, Pennsylvania at today's rate takes a household income of roughly $43,000 a year. That covers the full $1,004 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Mount Union, 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.