Calculate your monthly mortgage payment with Pennsylvania-specific rates, property taxes, and insurance costs. Updated for 2026.
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Compare Rates Now →| Metric | Value |
|---|---|
| Median Home Price | $270,000 |
| Avg 30-Year Fixed Rate | 6.85% |
| Effective Property Tax Rate | 1.58% |
| Annual Property Tax (Median Home) | $4,266 |
| Avg Annual Homeowners Insurance | $1,150 |
| FHA Loan Limit | $472,030 |
| Conforming Loan Limit | $726,200 |
| 20% Down Payment | $54,000 |
PHFA offers Keystone Advantage Assistance up to $6,000 for down payment and closing costs.
Pennsylvania has a flat 3.07% income tax. Mortgage interest is NOT deductible on state returns.
| Down Payment | Loan Amount | Monthly P&I | Total Monthly |
|---|---|---|---|
| 5% ($13,500) | $256,500 | $1,681 | $2,239 |
| 10% ($27,000) | $243,000 | $1,592 | $2,145 |
| 15% ($40,500) | $229,500 | $1,504 | $2,051 |
| 20% ($54,000) | $216,000 | $1,415 | $1,867 |
* Payments below 20% down include estimated PMI.
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