Total monthly cost of ownership
Cost to Own a Home in Shamokin, Pennsylvania
A $57,000 home here costs
$690per 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 $29,500 a year.
A standard mortgage calculator would have told you $311. The real number is $379 higher every month, 122% more than the payment most buyers budget for.
Compare Northumberland 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.
Shamokin against Northumberland County and Pennsylvania
| Measure | Shamokin | Northumberland County |
|---|---|---|
| Median home value | $57,400 | $151,600 |
| Median property tax | $809 | $1,778 |
| Effective tax rate | 1.409% | 1.173% |
| Median gross rent | $649 | $777 |
| Population | 6,890 | 90,925 |
The weather behind that power bill
Shamokin sits in Northumberland County, which averages a high of 84.4°F in its hottest month and a low of 18.9°F in its coldest, with 43.69" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 669 cooling and 6,007 heating degree days, which is what sets the $178 electricity line above.
See the full climate breakdown for Northumberland County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Northumberland County
Full Northumberland County cost breakdown · Every county in Pennsylvania
Talk to someone who works this market
These are Shamokin 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 Shamokin every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Shamokin I already own here and may sell
Common questions
How much does it cost to own a home in Shamokin?
A $57,000 home in Shamokin, Pennsylvania costs approximately $690 per month with 20% down at 7.24%. That is $311 principal and interest, $67 property tax, $19 homeowners insurance, $246 utilities and $48 set aside for maintenance.
What is the property tax rate in Shamokin?
Shamokin has an effective property tax rate of 1.409%, based on a median home value of $57,400 and median real estate taxes of $809. That is higher than the Northumberland County average of 1.173%.
What is the average home price in Shamokin?
The median owner-occupied home value in Shamokin, Pennsylvania is $57,400, against $151,600 across Northumberland County.
Is it cheaper to rent or buy in Shamokin?
Median gross rent in Shamokin is $649 a month, against $690 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 Shamokin?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Shamokin, Pennsylvania at today's rate takes a household income of roughly $29,500 a year. That covers the full $690 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Shamokin, 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.