Total monthly cost of ownership
Cost to Own a Home in Yardley, Pennsylvania
A $470,000 home here costs
$3,748per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,416. The real number is $1,331 higher every month — 55% 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.
Yardley against Bucks County and Pennsylvania
| Measure | Yardley | Bucks County |
|---|---|---|
| Median home value | $469,600 | $421,700 |
| Median property tax | $6,245 | $5,833 |
| Effective tax rate | 1.330% | 1.383% |
| Median gross rent | $1,375 | $1,537 |
| Population | 2,596 | 645,993 |
The weather behind that power bill
Yardley sits in Bucks County, which averages a high of 85.6°F in its hottest month and a low of 23.3°F in its coldest, with 47.67" of precipitation a year and 31% of it in a single three-month stretch. That climate drives 959 cooling and 5,160 heating degree days, which is what sets the $194 electricity line above.
See the full climate breakdown for Bucks County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Bucks County
Full Bucks County cost breakdown · Every county in Pennsylvania
Common questions
How much does it cost to own a home in Yardley?
A $470,000 home in Yardley, Pennsylvania costs approximately $3,748 per month with 20% down at 6.66%. That is $2,416 principal and interest, $521 property tax, $157 homeowners insurance, $262 utilities and $392 set aside for maintenance.
What is the property tax rate in Yardley?
Yardley has an effective property tax rate of 1.330%, based on a median home value of $469,600 and median real estate taxes of $6,245. That is lower than the Bucks County average of 1.383%.
What is the average home price in Yardley?
The median owner-occupied home value in Yardley, Pennsylvania is $469,600, against $421,700 across Bucks County.
Is it cheaper to rent or buy in Yardley?
Median gross rent in Yardley is $1,375 a month, against $3,748 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 Yardley — 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.