Total monthly cost of ownership
Cost to Own a Home in Seven Fields, Pennsylvania
A $413,000 home here costs
$3,372per 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 $144,500 a year.
A standard mortgage calculator would have told you $2,252. The real number is $1,120 higher every month, 50% more than the payment most buyers budget for.
Compare Butler County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Seven Fields from a five-year rolling sample, and with about 2,889 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 Butler 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.
Seven Fields against Butler County and Pennsylvania
| Measure | Seven Fields | Butler County |
|---|---|---|
| Median home value | $412,900 | $275,600 |
| Median property tax | $4,701 | $2,950 |
| Effective tax rate | 1.139% | 1.070% |
| Median gross rent | $1,906 | $1,018 |
| Population | 2,889 | 195,870 |
The weather behind that power bill
Seven Fields sits in Butler County, which averages a high of 81.7°F in its hottest month and a low of 17.3°F in its coldest, with 43.21" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 480 cooling and 6,457 heating degree days, which is what sets the $178 electricity line above.
See the full climate breakdown for Butler County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Butler County
Full Butler County cost breakdown · Every county in Pennsylvania
Talk to someone who works this market
These are Seven Fields 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 Seven Fields every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Seven Fields I already own here and may sell
Common questions
How much does it cost to own a home in Seven Fields?
A $413,000 home in Seven Fields, Pennsylvania costs approximately $3,372 per month with 20% down at 7.24%. That is $2,252 principal and interest, $392 property tax, $138 homeowners insurance, $246 utilities and $344 set aside for maintenance.
What is the property tax rate in Seven Fields?
Seven Fields has an effective property tax rate of 1.139%, based on a median home value of $412,900 and median real estate taxes of $4,701. That is higher than the Butler County average of 1.070%.
What is the average home price in Seven Fields?
The median owner-occupied home value in Seven Fields, Pennsylvania is $412,900, against $275,600 across Butler County.
Is it cheaper to rent or buy in Seven Fields?
Median gross rent in Seven Fields is $1,906 a month, against $3,372 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 Seven Fields?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Seven Fields, Pennsylvania at today's rate takes a household income of roughly $144,500 a year. That covers the full $3,372 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Seven Fields, 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.