Pennsylvania Mortgage Calculator
Estimate the monthly PITI payment on a Pennsylvania home. Preseeded with the state’s 1.49% effective property-tax rate, $1,100 average annual insurance, and $260,000 median home price.
Loan Parameters
$
$
Percentage
20.0 %
Loan Term
Advanced Options
$
Monthly Payment (PITI)
$1,816
- Principal & Interest
- $1,315
- Property Taxes
- $323
- Home Insurance
- $92
- PMI
- $87
Total Interest
$265,293
Total Cost
$622,513
Payoff Year
2056
Pennsylvania Property Tax, Insurance & Home Prices
- Effective property-tax rate
- 1.49%
- Avg annual insurance
- $1,100
- Median home price
- $260,000
Statewide averages, last reviewed May 2026. Actual rates and premiums vary significantly by county, city, and parcel — see the notes below.
Notable Pennsylvania Rules
Pennsylvania school-district taxes drive most of the bill. The Homestead Exclusion (PA Act 50) removes a flat dollar amount from each district's assessment — varies widely by district. Property Tax/Rent Rebate Program offers up to $1,000 for eligible seniors and disabled homeowners.
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Frequently Asked Questions
- Pennsylvania's statewide effective property-tax rate is approximately 1.49% of home value (last reviewed May 2026). Actual county- and city-level rates vary; check your specific parcel before budgeting.