Total monthly cost of ownership
Cost to Own a Home in Silverdale, Pennsylvania
A $310,000 home here costs
$2,632per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,594. The real number is $1,038 higher every month — 65% 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.
Silverdale against Bucks County and Pennsylvania
| Measure | Silverdale | Bucks County |
|---|---|---|
| Median home value | $310,200 | $421,700 |
| Median property tax | $4,978 | $5,833 |
| Effective tax rate | 1.605% | 1.383% |
| Median gross rent | $1,558 | $1,537 |
| Population | 1,068 | 645,993 |
The weather behind that power bill
Silverdale sits in Bucks County, which averages a high of 85.6°F in its hottest month and a low of 23.3°F in its coldest, with 47.67" of precipitation a year and 31% of it in a single three-month stretch. That climate drives 959 cooling and 5,160 heating degree days, which is what sets the $194 electricity line above.
See the full climate breakdown for Bucks County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Bucks County
Full Bucks County cost breakdown · Every county in Pennsylvania
Common questions
How much does it cost to own a home in Silverdale?
A $310,000 home in Silverdale, Pennsylvania costs approximately $2,632 per month with 20% down at 6.66%. That is $1,594 principal and interest, $415 property tax, $104 homeowners insurance, $262 utilities and $258 set aside for maintenance.
What is the property tax rate in Silverdale?
Silverdale has an effective property tax rate of 1.605%, based on a median home value of $310,200 and median real estate taxes of $4,978. That is higher than the Bucks County average of 1.383%.
What is the average home price in Silverdale?
The median owner-occupied home value in Silverdale, Pennsylvania is $310,200, against $421,700 across Bucks County.
Is it cheaper to rent or buy in Silverdale?
Median gross rent in Silverdale is $1,558 a month, against $2,632 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 Silverdale — 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.