Total monthly cost of ownership
Cost to Own a Home in Seneca, Pennsylvania
A $135,000 home here costs
$1,260per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $694. The real number is $566 higher every month — 81% 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.
Seneca against Venango County and Pennsylvania
| Measure | Seneca | Venango County |
|---|---|---|
| Median home value | $134,900 | $114,500 |
| Median property tax | $1,754 | $1,509 |
| Effective tax rate | 1.300% | 1.318% |
| Median gross rent | $715 | $774 |
| Population | 1,455 | 50,096 |
The weather behind that power bill
Seneca sits in Venango County, which averages a high of 82.7°F in its hottest month and a low of 18.3°F in its coldest, with 46.33" of precipitation a year and 31% of it in a single three-month stretch. That climate drives 584 cooling and 6,365 heating degree days, which is what sets the $194 electricity line above.
See the full climate breakdown for Venango County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Venango County
Full Venango County cost breakdown · Every county in Pennsylvania
Common questions
How much does it cost to own a home in Seneca?
A $135,000 home in Seneca, Pennsylvania costs approximately $1,260 per month with 20% down at 6.66%. That is $694 principal and interest, $146 property tax, $45 homeowners insurance, $262 utilities and $113 set aside for maintenance.
What is the property tax rate in Seneca?
Seneca has an effective property tax rate of 1.300%, based on a median home value of $134,900 and median real estate taxes of $1,754. That is lower than the Venango County average of 1.318%.
What is the average home price in Seneca?
The median owner-occupied home value in Seneca, Pennsylvania is $134,900, against $114,500 across Venango County.
Is it cheaper to rent or buy in Seneca?
Median gross rent in Seneca is $715 a month, against $1,260 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 Seneca — 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.