Total monthly cost of ownership
Cost to Own a Home in Swartzville, Pennsylvania
A $284,000 home here costs
$2,414per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,460. The real number is $954 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.
Swartzville against Lancaster County and Pennsylvania
| Measure | Swartzville | Lancaster County |
|---|---|---|
| Median home value | $283,900 | $279,400 |
| Median property tax | $4,321 | $3,941 |
| Effective tax rate | 1.522% | 1.411% |
| Median gross rent | — | $1,289 |
| Population | 1,804 | 555,151 |
The weather behind that power bill
Swartzville sits in Lancaster County, which averages a high of 87.0°F in its hottest month and a low of 22.2°F in its coldest, with 44.15" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 1,030 cooling and 5,129 heating degree days, which is what sets the $194 electricity line above.
See the full climate breakdown for Lancaster County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Lancaster County
Full Lancaster County cost breakdown · Every county in Pennsylvania
Common questions
How much does it cost to own a home in Swartzville?
A $284,000 home in Swartzville, Pennsylvania costs approximately $2,414 per month with 20% down at 6.66%. That is $1,460 principal and interest, $360 property tax, $95 homeowners insurance, $262 utilities and $237 set aside for maintenance.
What is the property tax rate in Swartzville?
Swartzville has an effective property tax rate of 1.522%, based on a median home value of $283,900 and median real estate taxes of $4,321. That is higher than the Lancaster County average of 1.411%.
What is the average home price in Swartzville?
The median owner-occupied home value in Swartzville, Pennsylvania is $283,900, against $279,400 across Lancaster County.
Is it cheaper to rent or buy in Swartzville?
Rent data is not published for Swartzville at this level of detail.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Swartzville — 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.