Ranked from ACS 2023 5-Year
Lowest Costs Beyond the Mortgage in Pennsylvania
Where the mortgage is most of what owning costs, and everything else is a thin slice on top. These are the counties where a payoff changes the most: the share in the first column is roughly what you would still be paying every month with no mortgage left at all. Modelled at 20% down at the rate this site currently uses, so the share moves with both.
Pennsylvania ranked
| # | County | Share beyond mortgage | Monthly beyond mortgage | Monthly to own |
|---|---|---|---|---|
| 1 | Chester County | 34.5% | $1,301 | $3,766 |
| 2 | Centre County | 34.8% | $879 | $2,523 |
| 3 | Bucks County | 35.2% | $1,224 | $3,475 |
| 4 | Philadelphia County | 35.4% | $679 | $1,920 |
| 5 | Montgomery County | 35.5% | $1,205 | $3,394 |
| 6 | Butler County | 35.6% | $813 | $2,284 |
| 7 | Montour County | 36.3% | $732 | $2,015 |
| 8 | Cumberland County | 36.9% | $816 | $2,214 |
| 9 | Franklin County | 37.0% | $741 | $2,002 |
| 10 | Washington County | 37.5% | $707 | $1,884 |
| 11 | Fulton County | 37.6% | $662 | $1,762 |
| 12 | Lancaster County | 37.6% | $900 | $2,392 |
| 13 | Juniata County | 37.7% | $667 | $1,768 |
| 14 | Bedford County | 37.9% | $564 | $1,487 |
| 15 | Union County | 38.0% | $728 | $1,918 |
| 16 | Adams County | 38.1% | $842 | $2,209 |
| 17 | Huntingdon County | 38.1% | $593 | $1,556 |
| 18 | Wayne County | 38.2% | $752 | $1,970 |
| 19 | Perry County | 38.3% | $737 | $1,926 |
| 20 | Pike County | 38.3% | $830 | $2,170 |
| 21 | Susquehanna County | 38.3% | $685 | $1,788 |
| 22 | Snyder County | 38.5% | $686 | $1,783 |
| 23 | Columbia County | 38.5% | $667 | $1,730 |
| 24 | Sullivan County | 38.6% | $626 | $1,621 |
| 25 | Northampton County | 39.0% | $971 | $2,492 |
| 26 | Lebanon County | 39.0% | $776 | $1,989 |
| 27 | Lehigh County | 39.2% | $950 | $2,424 |
| 28 | Dauphin County | 39.3% | $769 | $1,956 |
| 29 | Bradford County | 39.4% | $634 | $1,607 |
| 30 | Wyoming County | 39.5% | $716 | $1,813 |
| 31 | Clinton County | 39.5% | $625 | $1,581 |
| 32 | Westmoreland County | 39.6% | $677 | $1,708 |
| 33 | Lycoming County | 39.9% | $694 | $1,739 |
| 34 | Tioga County | 40.0% | $625 | $1,565 |
| 35 | Clarion County | 40.2% | $546 | $1,358 |
| 36 | Allegheny County | 40.3% | $782 | $1,939 |
| 37 | York County | 40.4% | $849 | $2,103 |
| 38 | Delaware County | 40.5% | $1,098 | $2,713 |
| 39 | Blair County | 40.6% | $571 | $1,408 |
| 40 | Berks County | 40.7% | $878 | $2,158 |
| 41 | Carbon County | 40.9% | $714 | $1,748 |
| 42 | Beaver County | 40.9% | $685 | $1,675 |
| 43 | Monroe County | 41.1% | $897 | $2,184 |
| 44 | Lackawanna County | 41.2% | $710 | $1,723 |
| 45 | Northumberland County | 41.4% | $571 | $1,380 |
| 46 | Mercer County | 41.7% | $587 | $1,407 |
| 47 | Potter County | 42.3% | $572 | $1,352 |
| 48 | Greene County | 42.4% | $574 | $1,354 |
| 49 | Luzerne County | 42.5% | $646 | $1,520 |
| 50 | Erie County | 42.6% | $673 | $1,578 |
| 51 | Somerset County | 42.7% | $519 | $1,216 |
| 52 | Jefferson County | 43.0% | $511 | $1,187 |
| 53 | Armstrong County | 43.3% | $598 | $1,379 |
| 54 | Fayette County | 43.4% | $520 | $1,197 |
| 55 | Crawford County | 43.4% | $588 | $1,353 |
| 56 | Clearfield County | 43.6% | $515 | $1,183 |
| 57 | Indiana County | 43.8% | $604 | $1,381 |
| 58 | Elk County | 43.8% | $536 | $1,223 |
| 59 | Lawrence County | 43.9% | $570 | $1,300 |
| 60 | Mifflin County | 43.9% | $598 | $1,361 |
| 61 | Schuylkill County | 44.0% | $588 | $1,338 |
| 62 | Forest County | 44.2% | $473 | $1,070 |
| 63 | Warren County | 44.9% | $529 | $1,179 |
| 64 | Cambria County | 44.9% | $505 | $1,123 |
| 65 | Venango County | 45.2% | $505 | $1,116 |
| 66 | McKean County | 48.5% | $495 | $1,022 |
| 67 | Cameron County | 50.0% | $471 | $942 |
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
Lowest Costs Beyond the Mortgage across all 3,133 US counties · Every county in Pennsylvania