Mortgage Calculator for Pennsylvania

Pre-filled with Pennsylvania's average home price of $275000, property tax rate of 1.36%, and average insurance of $1600/year. Adjust any value below.

1 Loan Details

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2 Monthly Costs (Pennsylvania averages pre-filled)

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Include PMI

Required when down payment < 20%

Estimated Monthly Payment

Enter your loan details to see your payment

Principal & Interest
Property Tax
Home Insurance
HOA Fees

Total Interest Paid

Over loan lifetime

Total Cost

Principal + interest

Loan Amount

Amount financed

Down Payment

Of home price

Monthly Payment Breakdown

Balance Over Time

Rate Comparison

How your payment changes with different interest rates

Rate Scenario Monthly P&I Total Interest
Enter loan details above to see rate scenarios

Amortization Schedule

Full month-by-month payment breakdown

Pennsylvania Housing Market

Pennsylvania's housing market varies significantly by region. Philadelphia's suburbs command prices above the state median, while Pittsburgh offers some of the best affordability among major US metro areas.

Average Home Price $275000
Effective Property Tax Rate 1.36%
Avg Annual Property Tax $3740
Avg Annual Insurance $1600

Affordability in Pennsylvania

Pittsburgh consistently ranks among the most affordable large US cities for home buyers. Philadelphia's outer suburbs offer value compared to NJ counterparts. Rural PA markets provide entry-level opportunities well under $200,000.

Key Markets

Philadelphia Pittsburgh Allentown Erie Reading

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