Pennsylvania Mortgage Calculator
Estimate your monthly payment in Pennsylvania — including property tax (1.36% effective rate), home insurance, and PMI. Pre-filled with Pennsylvania averages for 2026.
= $52,000 down
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Mortgage costs in Pennsylvania
The average Pennsylvania homeowner pays roughly $295/month in property tax on a median-priced home, plus about $92/month in home insurance. Property tax is billed by your county — actual rates vary from the state average, so check your county assessor's site for exact figures.
How much house can I afford in Pennsylvania?
A common rule is to keep total housing costs (PITI) under 28% of gross monthly income. At current rates, buying the median Pennsylvania home ($260,000) with 20% down requires roughly $74,375 in annual income.