Ranked from ACS 2023 5-Year
Most Expensive Counties to Own a Home Outright in Pennsylvania
The counties where a paid-off house still costs the most to keep. For retirees on a fixed income this figure matters more than the purchase price, because it never goes away and it rises with assessments.
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 | Chester County | $1,301 | $461,800 | 1.341% |
| 2 | Bucks County | $1,224 | $421,700 | 1.383% |
| 3 | Montgomery County | $1,205 | $409,900 | 1.409% |
| 4 | Delaware County | $1,098 | $302,400 | 1.984% |
| 5 | Northampton County | $971 | $285,000 | 1.653% |
| 6 | Lehigh County | $950 | $276,100 | 1.663% |
| 7 | Lancaster County | $900 | $279,400 | 1.411% |
| 8 | Monroe County | $897 | $241,200 | 1.839% |
| 9 | Centre County | $879 | $308,100 | 1.065% |
| 10 | Berks County | $878 | $239,700 | 1.768% |
| 11 | York County | $849 | $235,000 | 1.680% |
| 12 | Adams County | $842 | $256,100 | 1.394% |
| 13 | Pike County | $830 | $250,900 | 1.396% |
| 14 | Cumberland County | $816 | $261,900 | 1.214% |
| 15 | Butler County | $813 | $275,600 | 1.070% |
| 16 | Allegheny County | $782 | $216,700 | 1.569% |
| 17 | Lebanon County | $776 | $227,300 | 1.399% |
| 18 | Dauphin County | $769 | $222,300 | 1.426% |
| 19 | Wayne County | $752 | $228,200 | 1.263% |
| 20 | Franklin County | $741 | $236,300 | 1.115% |
| 21 | Perry County | $737 | $222,800 | 1.246% |
| 22 | Montour County | $732 | $240,300 | 1.030% |
| 23 | Union County | $728 | $222,900 | 1.197% |
| 24 | Wyoming County | $716 | $205,600 | 1.344% |
| 25 | Carbon County | $714 | $193,700 | 1.504% |
| 26 | Lackawanna County | $710 | $189,900 | 1.532% |
| 27 | Washington County | $707 | $220,600 | 1.108% |
| 28 | Lycoming County | $694 | $195,600 | 1.353% |
| 29 | Snyder County | $686 | $205,500 | 1.169% |
| 30 | Beaver County | $685 | $185,500 | 1.440% |
| 31 | Susquehanna County | $685 | $206,700 | 1.148% |
| 32 | Philadelphia County | $679 | $232,400 | 0.840% |
| 33 | Westmoreland County | $677 | $193,100 | 1.281% |
| 34 | Erie County | $673 | $169,500 | 1.625% |
| 35 | Columbia County | $667 | $199,200 | 1.138% |
| 36 | Juniata County | $667 | $206,300 | 1.050% |
| 37 | Fulton County | $662 | $206,000 | 1.028% |
| 38 | Luzerne County | $646 | $163,800 | 1.530% |
| 39 | Bradford County | $634 | $182,300 | 1.157% |
| 40 | Sullivan County | $626 | $186,400 | 1.051% |
| 41 | Tioga County | $625 | $176,000 | 1.189% |
| 42 | Clinton County | $625 | $179,100 | 1.143% |
| 43 | Indiana County | $604 | $145,400 | 1.562% |
| 44 | Mifflin County | $598 | $142,900 | 1.558% |
| 45 | Armstrong County | $598 | $146,300 | 1.487% |
| 46 | Huntingdon County | $593 | $180,300 | 0.914% |
| 47 | Schuylkill County | $588 | $140,400 | 1.529% |
| 48 | Crawford County | $588 | $143,400 | 1.464% |
| 49 | Mercer County | $587 | $153,600 | 1.265% |
| 50 | Greene County | $574 | $146,200 | 1.295% |
| 51 | Potter County | $572 | $146,200 | 1.278% |
| 52 | Blair County | $571 | $156,700 | 1.092% |
| 53 | Northumberland County | $571 | $151,600 | 1.173% |
| 54 | Lawrence County | $570 | $136,700 | 1.451% |
| 55 | Bedford County | $564 | $172,900 | 0.811% |
| 56 | Clarion County | $546 | $152,100 | 0.971% |
| 57 | Elk County | $536 | $128,600 | 1.311% |
| 58 | Warren County | $529 | $121,800 | 1.391% |
| 59 | Fayette County | $520 | $126,900 | 1.195% |
| 60 | Somerset County | $519 | $130,600 | 1.109% |
| 61 | Clearfield County | $515 | $125,000 | 1.190% |
| 62 | Jefferson County | $511 | $126,700 | 1.114% |
| 63 | Venango County | $505 | $114,500 | 1.318% |
| 64 | Cambria County | $505 | $115,900 | 1.283% |
| 65 | McKean County | $495 | $98,700 | 1.636% |
| 66 | Forest County | $473 | $111,900 | 1.038% |
| 67 | Cameron County | $471 | $88,200 | 1.667% |
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
Most Expensive Counties to Own a Home Outright across all 3,133 US counties · Every county in Pennsylvania