Total monthly cost of ownership
Cost to Own a Home in York, Pennsylvania
A $103,000 home here costs
$1,152per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $530. The real number is $623 higher every month — 118% 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.
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 $194 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
Common questions
How much does it cost to own a home in York?
A $103,000 home in York, Pennsylvania costs approximately $1,152 per month with 20% down at 6.66%. That is $530 principal and interest, $241 property tax, $34 homeowners insurance, $262 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 $1,152 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 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.