Total monthly cost of ownership
Cost to Own a Home in North York, Pennsylvania
A $121,000 home here costs
$1,222per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $622. The real number is $600 higher every month — 96% 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.
North York against York County and Pennsylvania
| Measure | North York | York County |
|---|---|---|
| Median home value | $120,700 | $235,000 |
| Median property tax | $2,361 | $3,947 |
| Effective tax rate | 1.956% | 1.680% |
| Median gross rent | $1,137 | $1,150 |
| Population | 2,503 | 459,312 |
The weather behind that power bill
North York sits in York County, which averages a high of 87.7°F in its hottest month and a low of 21.3°F in its coldest, with 46.46" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 1,025 cooling and 5,017 heating degree days, which is what sets the $194 electricity line above.
See the full climate breakdown for York County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in York County
Full York County cost breakdown · Every county in Pennsylvania
Common questions
How much does it cost to own a home in North York?
A $121,000 home in North York, Pennsylvania costs approximately $1,222 per month with 20% down at 6.66%. That is $622 principal and interest, $197 property tax, $40 homeowners insurance, $262 utilities and $101 set aside for maintenance.
What is the property tax rate in North York?
North York has an effective property tax rate of 1.956%, based on a median home value of $120,700 and median real estate taxes of $2,361. That is higher than the York County average of 1.680%.
What is the average home price in North York?
The median owner-occupied home value in North York, Pennsylvania is $120,700, against $235,000 across York County.
Is it cheaper to rent or buy in North York?
Median gross rent in North York is $1,137 a month, against $1,222 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 North York — 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.