2026 data · 1.43% property tax · Median home $239,800
Pennsylvania Mortgage Calculator
A median-priced home in Pennsylvania ($239,800) costs roughly $1,658 per month all-in (PITI), assuming 20% down and a 30-year fixed at 7.0%. Pennsylvania's effective property tax rate is 1.43% — close to the US average of about 1.0%.
Pennsylvania median-home monthly payment
$1,658/mo
P&I $1,276 · Tax $286 · Insurance $96
@ $239,800 price, 20% down, 30-yr fixed at 7.0%
For a custom calculation with your specific numbers (different down payment, rate, term, or home price), use the main mortgage calculator — it includes a full amortization schedule.
Monthly payments at common home prices in Pennsylvania
| Home price | 20% down | P&I | Prop tax | Insurance | Total PITI/mo |
|---|---|---|---|---|---|
| $200,000 | $40,000 | $1,064 | $238 | $80 | $1,383 |
| $239,800 (state median) | $47,960 | $1,276 | $286 | $96 | $1,658 |
| $300,000 | $60,000 | $1,597 | $358 | $120 | $2,074 |
| $400,000 | $80,000 | $2,129 | $477 | $160 | $2,766 |
| $500,000 | $100,000 | $2,661 | $596 | $200 | $3,457 |
| $750,000 | $150,000 | $3,992 | $894 | $300 | $5,186 |
Calculations use Pennsylvania's 1.43% effective property tax rate, estimated homeowners insurance at 0.48%/year of home value, 30-year fixed at 7.0%, no PMI (20% down). Closing costs not included.
Pennsylvania property tax
Effective rate
1.43%
Median home value
$239,800
Median property tax
$3,440/yr
Pennsylvania has above-average property tax rates. Property Tax/Rent Rebate program provides up to $650 for eligible seniors. Realty Transfer Tax is 1% state + variable local.
See our property tax calculator for a state-by-state property tax breakdown, and our Pennsylvania paycheck calculator to estimate take-home pay against this monthly housing cost.
Pennsylvania vs neighboring states
| State | Property tax rate | Median home | Median tax/yr | |
|---|---|---|---|---|
| Pennsylvania (this page) | 1.43% | $239,800 | $3,440 | |
| New York | 1.46% | $384,100 | $6,280 | New York mortgage → |
| New Jersey | 2.26% | $401,400 | $9,076 | New Jersey mortgage → |
| Delaware | 0.55% | $305,900 | $1,756 | Delaware mortgage → |
| Maryland | 0.99% | $371,100 | $3,680 | Maryland mortgage → |
FAQs about Pennsylvania mortgages
What is the property tax rate in Pennsylvania?
Pennsylvania's effective property tax rate is 1.43%, meaning the average homeowner pays roughly 1.43% of their home's value in property tax annually. On a $239,800 home (the state median), that's about $3,440 per year, or $287 per month added to your mortgage payment.
What is the average monthly mortgage payment in Pennsylvania?
For a home at Pennsylvania's median value of $239,800, assuming 20% down, a 30-year fixed mortgage at 7.0%, and Pennsylvania's 1.43% property tax + estimated insurance, the typical monthly PITI payment is approximately $1,658. This includes $1,276 principal & interest, $286 property tax, and $96 homeowners insurance.
How much income do I need to buy a house in Pennsylvania?
Using the standard 28% front-end DTI rule, you'd need annual income of approximately $71,057 to comfortably afford Pennsylvania's median-priced home. Lenders typically allow up to 43% total DTI (including all debts), which corresponds to about $46,270 annual income at the maximum end. Your specific qualification depends on credit score, down payment, debts, and lender requirements.
Is Pennsylvania a good state to buy a house?
Pennsylvania's combination of 1.43% property tax (near the national average of ~1.0%) and median home value of $239,800 make it one of the more affordable states for homeowners. Pennsylvania has above-average property tax rates.
How does Pennsylvania property tax compare to neighboring states?
Pennsylvania's 1.43% rate compares to: New York at 1.46%, New Jersey at 2.26%, Delaware at 0.55%, Maryland at 0.99%. Property taxes can differ substantially between bordering states — moving 30 miles across a state line can change your annual tax bill by thousands.
Does Pennsylvania have a homestead exemption?
Pennsylvania offers various property tax relief programs. Pennsylvania has above-average property tax rates. Property Tax/Rent Rebate program provides up to $650 for eligible seniors. Realty Transfer Tax is 1% state + variable local. Check with your county assessor for primary-residence exemptions and senior/disabled programs that may reduce your annual property tax bill.
What's included in PITI?
PITI stands for Principal, Interest, Taxes, and Insurance — the four standard components of a mortgage payment. For your Pennsylvania mortgage, the breakdown on a median-priced home would be: Principal & Interest $1,276, Property Tax $286, Homeowners Insurance $96. Add PMI if your down payment is under 20%, and HOA fees if your home is in a community with one.