Total monthly cost of ownership
Cost to Own a Home in Sunbury, Pennsylvania
A $98,000 home here costs
$999per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $504. The real number is $495 higher every month — 98% 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.
Sunbury against Northumberland County and Pennsylvania
| Measure | Sunbury | Northumberland County |
|---|---|---|
| Median home value | $98,000 | $151,600 |
| Median property tax | $1,429 | $1,778 |
| Effective tax rate | 1.458% | 1.173% |
| Median gross rent | $731 | $777 |
| Population | 9,643 | 90,925 |
The weather behind that power bill
Sunbury 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 $194 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
Common questions
How much does it cost to own a home in Sunbury?
A $98,000 home in Sunbury, Pennsylvania costs approximately $999 per month with 20% down at 6.66%. That is $504 principal and interest, $119 property tax, $33 homeowners insurance, $262 utilities and $82 set aside for maintenance.
What is the property tax rate in Sunbury?
Sunbury has an effective property tax rate of 1.458%, based on a median home value of $98,000 and median real estate taxes of $1,429. That is higher than the Northumberland County average of 1.173%.
What is the average home price in Sunbury?
The median owner-occupied home value in Sunbury, Pennsylvania is $98,000, against $151,600 across Northumberland County.
Is it cheaper to rent or buy in Sunbury?
Median gross rent in Sunbury is $731 a month, against $999 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 Sunbury — 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.