Ranked from ACS 2023 5-Year
Highest Costs Beyond the Mortgage in Pennsylvania
Tax, insurance, electricity, water and maintenance as a share of the total monthly cost of owning: everything the mortgage payment is not. Ranking the dollars would just reproduce a list of expensive counties, because all of those costs scale with the price of the house. The share does not: at one rate and one down payment the mortgage is the same fraction of price everywhere, so what moves this list is counties whose carrying costs are heavy for what the house is worth. The share depends on the rate and the 20% down payment this site models, and would shift if either changed.
Pennsylvania ranked
| # | County | Share beyond mortgage | Monthly beyond mortgage | Monthly to own |
|---|---|---|---|---|
| 1 | Cameron County | 50.0% | $471 | $942 |
| 2 | McKean County | 48.5% | $495 | $1,022 |
| 3 | Venango County | 45.2% | $505 | $1,116 |
| 4 | Cambria County | 44.9% | $505 | $1,123 |
| 5 | Warren County | 44.9% | $529 | $1,179 |
| 6 | Forest County | 44.2% | $473 | $1,070 |
| 7 | Schuylkill County | 44.0% | $588 | $1,338 |
| 8 | Mifflin County | 43.9% | $598 | $1,361 |
| 9 | Lawrence County | 43.9% | $570 | $1,300 |
| 10 | Elk County | 43.8% | $536 | $1,223 |
| 11 | Indiana County | 43.8% | $604 | $1,381 |
| 12 | Clearfield County | 43.6% | $515 | $1,183 |
| 13 | Crawford County | 43.4% | $588 | $1,353 |
| 14 | Fayette County | 43.4% | $520 | $1,197 |
| 15 | Armstrong County | 43.3% | $598 | $1,379 |
| 16 | Jefferson County | 43.0% | $511 | $1,187 |
| 17 | Somerset County | 42.7% | $519 | $1,216 |
| 18 | Erie County | 42.6% | $673 | $1,578 |
| 19 | Luzerne County | 42.5% | $646 | $1,520 |
| 20 | Greene County | 42.4% | $574 | $1,354 |
| 21 | Potter County | 42.3% | $572 | $1,352 |
| 22 | Mercer County | 41.7% | $587 | $1,407 |
| 23 | Northumberland County | 41.4% | $571 | $1,380 |
| 24 | Lackawanna County | 41.2% | $710 | $1,723 |
| 25 | Monroe County | 41.1% | $897 | $2,184 |
| 26 | Beaver County | 40.9% | $685 | $1,675 |
| 27 | Carbon County | 40.9% | $714 | $1,748 |
| 28 | Berks County | 40.7% | $878 | $2,158 |
| 29 | Blair County | 40.6% | $571 | $1,408 |
| 30 | Delaware County | 40.5% | $1,098 | $2,713 |
| 31 | York County | 40.4% | $849 | $2,103 |
| 32 | Allegheny County | 40.3% | $782 | $1,939 |
| 33 | Clarion County | 40.2% | $546 | $1,358 |
| 34 | Tioga County | 40.0% | $625 | $1,565 |
| 35 | Lycoming County | 39.9% | $694 | $1,739 |
| 36 | Westmoreland County | 39.6% | $677 | $1,708 |
| 37 | Clinton County | 39.5% | $625 | $1,581 |
| 38 | Wyoming County | 39.5% | $716 | $1,813 |
| 39 | Bradford County | 39.4% | $634 | $1,607 |
| 40 | Dauphin County | 39.3% | $769 | $1,956 |
| 41 | Lehigh County | 39.2% | $950 | $2,424 |
| 42 | Lebanon County | 39.0% | $776 | $1,989 |
| 43 | Northampton County | 39.0% | $971 | $2,492 |
| 44 | Sullivan County | 38.6% | $626 | $1,621 |
| 45 | Columbia County | 38.5% | $667 | $1,730 |
| 46 | Snyder County | 38.5% | $686 | $1,783 |
| 47 | Susquehanna County | 38.3% | $685 | $1,788 |
| 48 | Pike County | 38.3% | $830 | $2,170 |
| 49 | Perry County | 38.3% | $737 | $1,926 |
| 50 | Wayne County | 38.2% | $752 | $1,970 |
| 51 | Huntingdon County | 38.1% | $593 | $1,556 |
| 52 | Adams County | 38.1% | $842 | $2,209 |
| 53 | Union County | 38.0% | $728 | $1,918 |
| 54 | Bedford County | 37.9% | $564 | $1,487 |
| 55 | Juniata County | 37.7% | $667 | $1,768 |
| 56 | Lancaster County | 37.6% | $900 | $2,392 |
| 57 | Fulton County | 37.6% | $662 | $1,762 |
| 58 | Washington County | 37.5% | $707 | $1,884 |
| 59 | Franklin County | 37.0% | $741 | $2,002 |
| 60 | Cumberland County | 36.9% | $816 | $2,214 |
| 61 | Montour County | 36.3% | $732 | $2,015 |
| 62 | Butler County | 35.6% | $813 | $2,284 |
| 63 | Montgomery County | 35.5% | $1,205 | $3,394 |
| 64 | Philadelphia County | 35.4% | $679 | $1,920 |
| 65 | Bucks County | 35.2% | $1,224 | $3,475 |
| 66 | Centre County | 34.8% | $879 | $2,523 |
| 67 | Chester County | 34.5% | $1,301 | $3,766 |
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
Highest Costs Beyond the Mortgage across all 3,133 US counties · Every county in Pennsylvania