Ranked from ACS 2023 5-Year
Cheapest Counties to Own a Home Outright in Pennsylvania
Paying off a mortgage does not end the cost of a house. This ranks counties by what the median home still costs every month with no loan at all: property tax, insurance, electricity, water and maintenance. Nowhere in America is it zero.
Where does yours land?
Every county in America is somewhere on this scale, including the one you live in.
Pennsylvania ranked
| # | County | Monthly if paid off | Median home | Effective rate |
|---|---|---|---|---|
| 1 | Cameron County | $471 | $88,200 | 1.667% |
| 2 | Forest County | $473 | $111,900 | 1.038% |
| 3 | McKean County | $495 | $98,700 | 1.636% |
| 4 | Cambria County | $505 | $115,900 | 1.283% |
| 5 | Venango County | $505 | $114,500 | 1.318% |
| 6 | Jefferson County | $511 | $126,700 | 1.114% |
| 7 | Clearfield County | $515 | $125,000 | 1.190% |
| 8 | Somerset County | $519 | $130,600 | 1.109% |
| 9 | Fayette County | $520 | $126,900 | 1.195% |
| 10 | Warren County | $529 | $121,800 | 1.391% |
| 11 | Elk County | $536 | $128,600 | 1.311% |
| 12 | Clarion County | $546 | $152,100 | 0.971% |
| 13 | Bedford County | $564 | $172,900 | 0.811% |
| 14 | Lawrence County | $570 | $136,700 | 1.451% |
| 15 | Northumberland County | $571 | $151,600 | 1.173% |
| 16 | Blair County | $571 | $156,700 | 1.092% |
| 17 | Potter County | $572 | $146,200 | 1.278% |
| 18 | Greene County | $574 | $146,200 | 1.295% |
| 19 | Mercer County | $587 | $153,600 | 1.265% |
| 20 | Crawford County | $588 | $143,400 | 1.464% |
| 21 | Schuylkill County | $588 | $140,400 | 1.529% |
| 22 | Huntingdon County | $593 | $180,300 | 0.914% |
| 23 | Armstrong County | $598 | $146,300 | 1.487% |
| 24 | Mifflin County | $598 | $142,900 | 1.558% |
| 25 | Indiana County | $604 | $145,400 | 1.562% |
| 26 | Clinton County | $625 | $179,100 | 1.143% |
| 27 | Tioga County | $625 | $176,000 | 1.189% |
| 28 | Sullivan County | $626 | $186,400 | 1.051% |
| 29 | Bradford County | $634 | $182,300 | 1.157% |
| 30 | Luzerne County | $646 | $163,800 | 1.530% |
| 31 | Fulton County | $662 | $206,000 | 1.028% |
| 32 | Juniata County | $667 | $206,300 | 1.050% |
| 33 | Columbia County | $667 | $199,200 | 1.138% |
| 34 | Erie County | $673 | $169,500 | 1.625% |
| 35 | Westmoreland County | $677 | $193,100 | 1.281% |
| 36 | Philadelphia County | $679 | $232,400 | 0.840% |
| 37 | Susquehanna County | $685 | $206,700 | 1.148% |
| 38 | Beaver County | $685 | $185,500 | 1.440% |
| 39 | Snyder County | $686 | $205,500 | 1.169% |
| 40 | Lycoming County | $694 | $195,600 | 1.353% |
| 41 | Washington County | $707 | $220,600 | 1.108% |
| 42 | Lackawanna County | $710 | $189,900 | 1.532% |
| 43 | Carbon County | $714 | $193,700 | 1.504% |
| 44 | Wyoming County | $716 | $205,600 | 1.344% |
| 45 | Union County | $728 | $222,900 | 1.197% |
| 46 | Montour County | $732 | $240,300 | 1.030% |
| 47 | Perry County | $737 | $222,800 | 1.246% |
| 48 | Franklin County | $741 | $236,300 | 1.115% |
| 49 | Wayne County | $752 | $228,200 | 1.263% |
| 50 | Dauphin County | $769 | $222,300 | 1.426% |
| 51 | Lebanon County | $776 | $227,300 | 1.399% |
| 52 | Allegheny County | $782 | $216,700 | 1.569% |
| 53 | Butler County | $813 | $275,600 | 1.070% |
| 54 | Cumberland County | $816 | $261,900 | 1.214% |
| 55 | Pike County | $830 | $250,900 | 1.396% |
| 56 | Adams County | $842 | $256,100 | 1.394% |
| 57 | York County | $849 | $235,000 | 1.680% |
| 58 | Berks County | $878 | $239,700 | 1.768% |
| 59 | Centre County | $879 | $308,100 | 1.065% |
| 60 | Monroe County | $897 | $241,200 | 1.839% |
| 61 | Lancaster County | $900 | $279,400 | 1.411% |
| 62 | Lehigh County | $950 | $276,100 | 1.663% |
| 63 | Northampton County | $971 | $285,000 | 1.653% |
| 64 | Delaware County | $1,098 | $302,400 | 1.984% |
| 65 | Montgomery County | $1,205 | $409,900 | 1.409% |
| 66 | Bucks County | $1,224 | $421,700 | 1.383% |
| 67 | Chester County | $1,301 | $461,800 | 1.341% |
Every figure is modelled on the county's own median home with 20% down at 7.03%. Property tax and electricity are county and state specific; homeowners insurance uses the NAIC average premium for that state, which ranges from 0.16% of home value in Hawaii to 1.16% in Oklahoma. Maintenance and water are national estimates. Full methodology.
Nationwide
Cheapest Counties to Own a Home Outright across all 3,133 US counties · Every county in Pennsylvania