Total monthly cost of ownership
Cost to Own a Home in York, Pennsylvania
A $103,000 home here costs
$1,169per 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 $50,000 a year.
A standard mortgage calculator would have told you $562. The real number is $607 higher every month, 108% more than the payment most buyers budget for.
Compare York 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.
York against York County and Pennsylvania
| Measure | York | York County |
|---|---|---|
| Median home value | $103,100 | $235,000 |
| Median property tax | $2,894 | $3,947 |
| Effective tax rate | 2.807% | 1.680% |
| Median gross rent | $958 | $1,150 |
| Population | 44,830 | 459,312 |
The weather behind that power bill
York sits in York County, which averages a high of 87.7°F in its hottest month and a low of 21.3°F in its coldest, with 46.46" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 1,025 cooling and 5,017 heating degree days, which is what sets the $178 electricity line above.
See the full climate breakdown for York County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in York County
Full York County cost breakdown · Every county in Pennsylvania
Talk to someone who works this market
These are York 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 York every week. Free, no obligation, and we never sell your details to a list.
Common questions
How much does it cost to own a home in York?
A $103,000 home in York, Pennsylvania costs approximately $1,169 per month with 20% down at 7.24%. That is $562 principal and interest, $241 property tax, $34 homeowners insurance, $246 utilities and $86 set aside for maintenance.
What is the property tax rate in York?
York has an effective property tax rate of 2.807%, based on a median home value of $103,100 and median real estate taxes of $2,894. That is higher than the York County average of 1.680%.
What is the average home price in York?
The median owner-occupied home value in York, Pennsylvania is $103,100, against $235,000 across York County.
Is it cheaper to rent or buy in York?
Median gross rent in York is $958 a month, against $1,169 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 York?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in York, Pennsylvania at today's rate takes a household income of roughly $50,000 a year. That covers the full $1,169 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for York, 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.