Total monthly cost of ownership
Cost to Own a Home in Warren, Pennsylvania
A $102,000 home here costs
$1,062per 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 $45,500 a year.
A standard mortgage calculator would have told you $556. The real number is $506 higher every month, 91% more than the payment most buyers budget for.
Compare Warren 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.
Warren against Warren County and Pennsylvania
| Measure | Warren | Warren County |
|---|---|---|
| Median home value | $101,600 | $121,800 |
| Median property tax | $1,686 | $1,694 |
| Effective tax rate | 1.659% | 1.391% |
| Median gross rent | $774 | $756 |
| Population | 9,273 | 38,174 |
The weather behind that power bill
Warren sits in Warren County, which averages a high of 80.4°F in its hottest month and a low of 12.3°F in its coldest, with 48.87" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 274 cooling and 7,504 heating degree days, which is what sets the $178 electricity line above.
See the full climate breakdown for Warren County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Warren County
Full Warren County cost breakdown · Every county in Pennsylvania
Talk to someone who works this market
These are Warren 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 Warren every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Warren I already own here and may sell
Common questions
How much does it cost to own a home in Warren?
A $102,000 home in Warren, Pennsylvania costs approximately $1,062 per month with 20% down at 7.24%. That is $556 principal and interest, $141 property tax, $34 homeowners insurance, $246 utilities and $85 set aside for maintenance.
What is the property tax rate in Warren?
Warren has an effective property tax rate of 1.659%, based on a median home value of $101,600 and median real estate taxes of $1,686. That is higher than the Warren County average of 1.391%.
What is the average home price in Warren?
The median owner-occupied home value in Warren, Pennsylvania is $101,600, against $121,800 across Warren County.
Is it cheaper to rent or buy in Warren?
Median gross rent in Warren is $774 a month, against $1,062 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 Warren?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Warren, Pennsylvania at today's rate takes a household income of roughly $45,500 a year. That covers the full $1,062 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Warren, 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.