Total monthly cost of ownership
Cost to Own a Home in Schuylkill Haven, Pennsylvania
A $123,000 home here costs
$1,208per 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 $52,000 a year.
A standard mortgage calculator would have told you $671. The real number is $537 higher every month, 80% more than the payment most buyers budget for.
Compare Schuylkill County with anywhere in America · full county breakdown
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Schuylkill Haven against Schuylkill County and Pennsylvania
| Measure | Schuylkill Haven | Schuylkill County |
|---|---|---|
| Median home value | $122,600 | $140,400 |
| Median property tax | $1,765 | $2,147 |
| Effective tax rate | 1.440% | 1.529% |
| Median gross rent | $894 | $842 |
| Population | 5,247 | 143,259 |
The weather behind that power bill
Schuylkill Haven sits in Schuylkill County, which averages a high of 80.2°F in its hottest month and a low of 17.6°F in its coldest, with 53.59" of precipitation a year and 28% of it in a single three-month stretch. That climate drives 452 cooling and 6,616 heating degree days, which is what sets the $178 electricity line above.
See the full climate breakdown for Schuylkill County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Schuylkill County
Full Schuylkill County cost breakdown · Every county in Pennsylvania
Talk to someone who works this market
These are Schuylkill Haven 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 Schuylkill Haven every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Schuylkill Haven I already own here and may sell
Common questions
How much does it cost to own a home in Schuylkill Haven?
A $123,000 home in Schuylkill Haven, Pennsylvania costs approximately $1,208 per month with 20% down at 7.24%. That is $671 principal and interest, $148 property tax, $41 homeowners insurance, $246 utilities and $103 set aside for maintenance.
What is the property tax rate in Schuylkill Haven?
Schuylkill Haven has an effective property tax rate of 1.440%, based on a median home value of $122,600 and median real estate taxes of $1,765. That is lower than the Schuylkill County average of 1.529%.
What is the average home price in Schuylkill Haven?
The median owner-occupied home value in Schuylkill Haven, Pennsylvania is $122,600, against $140,400 across Schuylkill County.
Is it cheaper to rent or buy in Schuylkill Haven?
Median gross rent in Schuylkill Haven is $894 a month, against $1,208 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 Schuylkill Haven?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Schuylkill Haven, Pennsylvania at today's rate takes a household income of roughly $52,000 a year. That covers the full $1,208 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Schuylkill Haven, 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.