Total monthly cost of ownership
Cost to Own a Home in Windber, Pennsylvania
A $99,000 home here costs
$996per 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 $42,500 a year.
A standard mortgage calculator would have told you $540. The real number is $456 higher every month, 84% more than the payment most buyers budget for.
Compare Somerset County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Windber from a five-year rolling sample, and with about 3,901 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Somerset County figures are drawn from a far larger sample if you want a steadier number.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Windber against Somerset County and Pennsylvania
| Measure | Windber | Somerset County |
|---|---|---|
| Median home value | $99,000 | $130,600 |
| Median property tax | $1,135 | $1,449 |
| Effective tax rate | 1.146% | 1.109% |
| Median gross rent | $753 | $749 |
| Population | 3,901 | 73,255 |
The weather behind that power bill
Windber sits in Somerset County, which averages a high of 78.6°F in its hottest month and a low of 19.2°F in its coldest, with 41.26" of precipitation a year and 31% of it in a single three-month stretch. That climate drives 479 cooling and 6,324 heating degree days, which is what sets the $178 electricity line above.
See the full climate breakdown for Somerset County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Somerset County
Full Somerset County cost breakdown · Every county in Pennsylvania
Talk to someone who works this market
These are Windber 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 Windber every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Windber I already own here and may sell
Common questions
How much does it cost to own a home in Windber?
A $99,000 home in Windber, Pennsylvania costs approximately $996 per month with 20% down at 7.24%. That is $540 principal and interest, $95 property tax, $33 homeowners insurance, $246 utilities and $83 set aside for maintenance.
What is the property tax rate in Windber?
Windber has an effective property tax rate of 1.146%, based on a median home value of $99,000 and median real estate taxes of $1,135. That is higher than the Somerset County average of 1.109%.
What is the average home price in Windber?
The median owner-occupied home value in Windber, Pennsylvania is $99,000, against $130,600 across Somerset County.
Is it cheaper to rent or buy in Windber?
Median gross rent in Windber is $753 a month, against $996 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 Windber?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Windber, Pennsylvania at today's rate takes a household income of roughly $42,500 a year. That covers the full $996 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Windber, 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.