Calculate Your Pennsylvania Mortgage Payment
Our calculator is pre-filled with Pennsylvania's median home price and property tax rate. Adjust the numbers to match your situation.
Open Calculator with PA DefaultsMonthly Payment Breakdown for Pennsylvania
Here's what your monthly payment looks like on the median Pennsylvania home ($283,000) with 20% down at 6.5%:
Note: This estimate assumes 20% down payment ($56,600), no PMI. With less than 20% down, add $94-$189/month for PMI.
Pennsylvania Property Taxes
Pennsylvania's effective property tax rate is 1.18%, which is above the national average of 0.89%.
Annual Property Tax on $283,000 Home
$3,339
($278/month escrowed)
Buying a Home in Pennsylvania: Key Facts
- Property tax rate of 1.18% is above the national average of 0.89%
- PHFA allocated $73 million for fiscal year 2024-25 to support housing
- Pre-purchase counseling earns $300 credit toward closing costs
- No sales tax on most clothing and food items
Mortgage Calculators for Nearby States
Comparing homes across state lines? Check property taxes and home prices in neighboring states:
Pennsylvania First-Time Homebuyer Programs
Pennsylvania has 72 homebuyer assistance programs that can help with down payment and closing costs.
Keystone Forgivable in Ten Years (K-FIT)
Up to 5% of home price as forgivable second loan
Forgivable LoanHOMEstead Program
Up to $10,000 as no-interest second mortgage, forgiven over 5 years
Forgivable LoanKeystone Advantage Assistance Loan
Up to 4% of home price or $6,000 as interest-free loan
Deferred LoanEligibility requirements typically include income limits, credit score minimums (usually 620+), and homebuyer education courses. Visit DownPaymentResource.com to search for programs you may qualify for.
Major Cities in Pennsylvania
Home prices and property taxes can vary significantly by city. The median home price of $283,000 is a statewide average.
Pennsylvania Mortgage FAQ
What is the property tax rate in Pennsylvania?
The average effective property tax rate in Pennsylvania is 1.18%. On a $283,000 home, that's approximately $3,339 per year or $278 per month added to your mortgage payment.
What is the median home price in Pennsylvania?
The median home price in Pennsylvania is $283,000 as of January 2026. Prices vary by location - Philadelphia and Pittsburgh typically have higher prices than rural areas.
Are there first-time homebuyer programs in Pennsylvania?
Yes, Pennsylvania has 72 homebuyer assistance programs. Popular options include Keystone Forgivable in Ten Years (K-FIT), which offers up to 5% of home price as forgivable second loan.
How much do I need to buy a house in Pennsylvania?
For the median Pennsylvania home ($283,000), you'd need $56,600 for a 20% down payment, plus $8,490-$14,150 for closing costs. With down payment assistance, you could potentially buy with as little as $9,905 (3.5% FHA down payment).
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Calculate Your PA Mortgage Payment