Total monthly cost of ownership
Cost to Own a Home in Youngsville, Pennsylvania
A $106,000 home here costs
$1,073per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $545. The real number is $528 higher every month — 97% 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.
Youngsville against Warren County and Pennsylvania
| Measure | Youngsville | Warren County |
|---|---|---|
| Median home value | $105,900 | $121,800 |
| Median property tax | $1,705 | $1,694 |
| Effective tax rate | 1.610% | 1.391% |
| Median gross rent | $758 | $756 |
| Population | 1,669 | 38,174 |
The weather behind that power bill
Youngsville sits in Warren County, which averages a high of 80.4°F in its hottest month and a low of 12.3°F in its coldest, with 48.87" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 274 cooling and 7,504 heating degree days, which is what sets the $194 electricity line above.
See the full climate breakdown for Warren County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Warren County
Full Warren County cost breakdown · Every county in Pennsylvania
Common questions
How much does it cost to own a home in Youngsville?
A $106,000 home in Youngsville, Pennsylvania costs approximately $1,073 per month with 20% down at 6.66%. That is $545 principal and interest, $142 property tax, $35 homeowners insurance, $262 utilities and $88 set aside for maintenance.
What is the property tax rate in Youngsville?
Youngsville has an effective property tax rate of 1.610%, based on a median home value of $105,900 and median real estate taxes of $1,705. That is higher than the Warren County average of 1.391%.
What is the average home price in Youngsville?
The median owner-occupied home value in Youngsville, Pennsylvania is $105,900, against $121,800 across Warren County.
Is it cheaper to rent or buy in Youngsville?
Median gross rent in Youngsville is $758 a month, against $1,073 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 Youngsville — 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.