Total monthly cost of ownership
Cost to Own a Home in Westfield, Pennsylvania
A $86,000 home here costs
$915per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $442. The real number is $473 higher every month — 107% 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.
Westfield against Tioga County and Pennsylvania
| Measure | Westfield | Tioga County |
|---|---|---|
| Median home value | $86,000 | $176,000 |
| Median property tax | $1,333 | $2,093 |
| Effective tax rate | 1.550% | 1.189% |
| Median gross rent | $610 | $850 |
| Population | 1,241 | 41,078 |
The weather behind that power bill
Westfield sits in Tioga County, which averages a high of 78.9°F in its hottest month and a low of 14.1°F in its coldest, with 42.27" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 306 cooling and 7,378 heating degree days, which is what sets the $194 electricity line above.
See the full climate breakdown for Tioga County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Tioga County
Full Tioga County cost breakdown · Every county in Pennsylvania
Common questions
How much does it cost to own a home in Westfield?
A $86,000 home in Westfield, Pennsylvania costs approximately $915 per month with 20% down at 6.66%. That is $442 principal and interest, $111 property tax, $29 homeowners insurance, $262 utilities and $72 set aside for maintenance.
What is the property tax rate in Westfield?
Westfield has an effective property tax rate of 1.550%, based on a median home value of $86,000 and median real estate taxes of $1,333. That is higher than the Tioga County average of 1.189%.
What is the average home price in Westfield?
The median owner-occupied home value in Westfield, Pennsylvania is $86,000, against $176,000 across Tioga County.
Is it cheaper to rent or buy in Westfield?
Median gross rent in Westfield is $610 a month, against $915 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 Westfield — 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.