Total monthly cost of ownership
Cost to Own a Home in Spring City, Pennsylvania
A $253,000 home here costs
$2,162per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,301. The real number is $861 higher every month — 66% 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.
Spring City against Chester County and Pennsylvania
| Measure | Spring City | Chester County |
|---|---|---|
| Median home value | $253,400 | $461,800 |
| Median property tax | $3,655 | $6,191 |
| Effective tax rate | 1.442% | 1.341% |
| Median gross rent | $985 | $1,691 |
| Population | 3,551 | 540,896 |
The weather behind that power bill
Spring City sits in Chester County, which averages a high of 83.6°F in its hottest month and a low of 22.7°F in its coldest, with 47.14" of precipitation a year and 27% of it in a single three-month stretch. That climate drives 778 cooling and 5,359 heating degree days, which is what sets the $194 electricity line above.
See the full climate breakdown for Chester County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Chester County
Full Chester County cost breakdown · Every county in Pennsylvania
Common questions
How much does it cost to own a home in Spring City?
A $253,000 home in Spring City, Pennsylvania costs approximately $2,162 per month with 20% down at 6.66%. That is $1,301 principal and interest, $304 property tax, $85 homeowners insurance, $262 utilities and $211 set aside for maintenance.
What is the property tax rate in Spring City?
Spring City has an effective property tax rate of 1.442%, based on a median home value of $253,400 and median real estate taxes of $3,655. That is higher than the Chester County average of 1.341%.
What is the average home price in Spring City?
The median owner-occupied home value in Spring City, Pennsylvania is $253,400, against $461,800 across Chester County.
Is it cheaper to rent or buy in Spring City?
Median gross rent in Spring City is $985 a month, against $2,162 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 Spring City — 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.