Pennsylvania Housing & Mortgage Data 2026
| Factor | Pennsylvania Data |
|---|---|
| Average Property Tax Rate | 1.58% of assessed value/year |
| Property Tax on $400k Home | ~$6,320/year ($527/mo) |
| 30-Year Fixed Rate (2026 avg) | ~6.65% (varies by lender + credit) |
| State Income Tax | 3.07% |
| Sales Tax Rate | 6% |
Monthly Payment Estimate: Pennsylvania
| Home Price | 20% Down | P&I (6.5%) | + Pennsylvania Tax/mo | Total PITI est. |
|---|---|---|---|---|
| $300,000 | $60k | $1,517 | ~$395 | ~$2,025 |
| $400,000 | $80k | $2,025 | ~$527 | ~$2,702 |
| $500,000 | $100k | $2,528 | ~$658 | ~$3,374 |
| $600,000 | $120k | $3,034 | ~$790 | ~$4,049 |
| $750,000 | $150k | $3,791 | ~$988 | ~$5,060 |
P&I = Principal & Interest at 6.5% rate, 30-year fixed. PITI adds estimated Pennsylvania property tax + homeowners insurance (~0.45% annually). PMI not included (assumes 20% down).
Calculate Your Exact Pennsylvania Mortgage
Enter your home price, rate, and down payment for a precise monthly payment.
Use the Free Calculator →Frequently Asked Questions
What is the property tax rate in Pennsylvania?
Pennsylvania's average effective property tax rate is 1.58% annually. On a $400,000 home, that's approximately $6,320/year or $527/month in taxes.
Is Pennsylvania expensive to buy a home in?
Pennsylvania's property tax rate of 1.58% is above the national average in the US. High property taxes significantly add to your monthly housing costs.
Related: PITI Calculator · PMI Calculator · Refinance Calculator