Total monthly cost of ownership
Cost to Own a Home in Windber, Pennsylvania
A $99,000 home here costs
$981per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $509. The real number is $472 higher every month — 93% 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.
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 $194 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
Common questions
How much does it cost to own a home in Windber?
A $99,000 home in Windber, Pennsylvania costs approximately $981 per month with 20% down at 6.66%. That is $509 principal and interest, $95 property tax, $33 homeowners insurance, $262 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 $981 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 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.