Total monthly cost of ownership
Cost to Own a Home in Vandergrift, Pennsylvania
A $92,000 home here costs
$981per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $42,000 a year.
A standard mortgage calculator would have told you $502. The real number is $480 higher every month, 96% more than the payment most buyers budget for.
Compare Westmoreland County with anywhere in America · full county breakdown
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Vandergrift against Westmoreland County and Pennsylvania
| Measure | Vandergrift | Westmoreland County |
|---|---|---|
| Median home value | $91,500 | $193,100 |
| Median property tax | $1,507 | $2,473 |
| Effective tax rate | 1.647% | 1.281% |
| Median gross rent | $793 | $843 |
| Population | 5,028 | 353,345 |
The weather behind that power bill
Vandergrift sits in Westmoreland County, which averages a high of 82.1°F in its hottest month and a low of 20.7°F in its coldest, with 43.94" of precipitation a year and 31% of it in a single three-month stretch. That climate drives 587 cooling and 5,855 heating degree days, which is what sets the $178 electricity line above.
See the full climate breakdown for Westmoreland County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Westmoreland County
Full Westmoreland County cost breakdown · Every county in Pennsylvania
Talk to someone who works this market
These are Vandergrift averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Vandergrift every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Vandergrift I already own here and may sell
Common questions
How much does it cost to own a home in Vandergrift?
A $92,000 home in Vandergrift, Pennsylvania costs approximately $981 per month with 20% down at 7.24%. That is $502 principal and interest, $126 property tax, $31 homeowners insurance, $246 utilities and $77 set aside for maintenance.
What is the property tax rate in Vandergrift?
Vandergrift has an effective property tax rate of 1.647%, based on a median home value of $91,500 and median real estate taxes of $1,507. That is higher than the Westmoreland County average of 1.281%.
What is the average home price in Vandergrift?
The median owner-occupied home value in Vandergrift, Pennsylvania is $91,500, against $193,100 across Westmoreland County.
Is it cheaper to rent or buy in Vandergrift?
Median gross rent in Vandergrift is $793 a month, against $981 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Vandergrift?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Vandergrift, Pennsylvania at today's rate takes a household income of roughly $42,000 a year. That covers the full $981 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Vandergrift, 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.