Total monthly cost of ownership
Cost to Own a Home in St. Clair, Pennsylvania
A $65,000 home here costs
$780per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $334. The real number is $446 higher every month — 133% 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.
St. Clair against Schuylkill County and Pennsylvania
| Measure | St. Clair | Schuylkill County |
|---|---|---|
| Median home value | $65,000 | $140,400 |
| Median property tax | $1,299 | $2,147 |
| Effective tax rate | 1.998% | 1.529% |
| Median gross rent | $1,012 | $842 |
| Population | 2,755 | 143,259 |
The weather behind that power bill
St. Clair sits in Schuylkill County, which averages a high of 80.2°F in its hottest month and a low of 17.6°F in its coldest, with 53.59" of precipitation a year and 28% of it in a single three-month stretch. That climate drives 452 cooling and 6,616 heating degree days, which is what sets the $194 electricity line above.
See the full climate breakdown for Schuylkill County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Schuylkill County
Full Schuylkill County cost breakdown · Every county in Pennsylvania
Common questions
How much does it cost to own a home in St. Clair?
A $65,000 home in St. Clair, Pennsylvania costs approximately $780 per month with 20% down at 6.66%. That is $334 principal and interest, $108 property tax, $22 homeowners insurance, $262 utilities and $54 set aside for maintenance.
What is the property tax rate in St. Clair?
St. Clair has an effective property tax rate of 1.998%, based on a median home value of $65,000 and median real estate taxes of $1,299. That is higher than the Schuylkill County average of 1.529%.
What is the average home price in St. Clair?
The median owner-occupied home value in St. Clair, Pennsylvania is $65,000, against $140,400 across Schuylkill County.
Is it cheaper to rent or buy in St. Clair?
Median gross rent in St. Clair is $1,012 a month, against $780 to own the median home all in. Owning costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for St. Clair — 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.