Home and mortgage

Pennsylvania Mortgage Calculator

Your monthly mortgage payment in Pennsylvania, with Pennsylvania's effective property tax rate (1.30%) built in, at this week's average rate. The calculator starts at the state's median home value, $254,500.

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Home priceDown paymentInterest rateStarts at this week's national averageLoan termProperty taxA year, as a share of the price; about 1% is typical, varying widely by countyHome insurance a yearMortgage insurance (PMI)A year, on the loan, only below 20% downHOA dues a month

Monthly payment$1,825.10The answer

Monthly payment

$1,825.10

A $255,000 home with 20% down ($204,000 borrowed) at 7.18% over 30 years costs about $1,825 a month: $1,382 principal and interest plus $443 of tax, insurance and dues.

Principal and interest: $1,381.97
Tax, insurance, PMI and HOA: $443.13
Total interest over the loan: $293,508

Amortization by year: $204,000 at 7.18%

Year	Interest	Principal	Balance
1	$14,582.19	$2,001.42	$201,998.58
2	$14,433.66	$2,149.94	$199,848.64
3	$14,274.11	$2,309.49	$197,539.15
4	$14,102.72	$2,480.88	$195,058.27
5	$13,918.62	$2,664.99	$192,393.28
6	$13,720.85	$2,862.76	$189,530.52
7	$13,508.40	$3,075.21	$186,455.32
8	$13,280.19	$3,303.42	$183,151.90
9	$13,035.04	$3,548.57	$179,603.33
10	$12,771.70	$3,811.91	$175,791.43
11	$12,488.81	$4,094.79	$171,696.63
12	$12,184.94	$4,398.67	$167,297.97
13	$11,858.51	$4,725.10	$162,572.87
14	$11,507.86	$5,075.75	$157,497.12
15	$11,131.18	$5,452.42	$152,044.70
16	$10,726.55	$5,857.05	$146,187.65
17	$10,291.90	$6,291.71	$139,895.94
18	$9,824.99	$6,758.62	$133,137.33
19	$9,323.43	$7,260.18	$125,877.15
20	$8,784.65	$7,798.96	$118,078.19
21	$8,205.88	$8,377.72	$109,700.47
22	$7,584.16	$8,999.44	$100,701.03
23	$6,916.31	$9,667.29	$91,033.73
24	$6,198.90	$10,384.71	$80,649.02
25	$5,428.24	$11,155.36	$69,493.66
26	$4,600.39	$11,983.21	$57,510.45
27	$3,711.11	$12,872.49	$44,637.95
28	$2,755.84	$13,827.77	$30,810.19
29	$1,729.67	$14,853.93	$15,956.25
30	$627.35	$15,956.25	$0.00

Download the schedule (CSV)

This week's mortgage rates

Monthly payment in Pennsylvania by home price (20% down, 7%, 30 years, 1.30% tax, $2,000 insurance)

Home price	Principal and interest	Property tax	Total
$130,000	$692	$141	$1,000
$190,000	$1,011	$206	$1,384
$250,000	$1,331	$271	$1,768
$380,000	$2,023	$412	$2,601
$510,000	$2,714	$553	$3,434

How this calculator works

As the mortgage calculator, with Pennsylvania's effective property tax rate from the Census Bureau's American Community Survey 2020–2024 5-year estimates: median taxes $3,311 ÷ median value $254,500.

Questions people ask

What is the mortgage payment on a median home in Pennsylvania?

On $254,500 with 20% down at 7% over 30 years: about $1,355 principal and interest and $276 of property tax, $1,797 a month with $2,000 a year of insurance.

What is the median home value in Pennsylvania?

$254,500 for owner-occupied homes (Census American Community Survey 2020–2024 5-year estimates), against $332,700 nationally.

How much is property tax in Pennsylvania?

The effective rate is 1.30%, a median $3,311 a year. See Pennsylvania's property tax page for every county we cover.

How much income do I need for a median Pennsylvania home?

Under the 28% guideline, about $77,020 a year for the payment above; Pennsylvania's median household income is $77,971.

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Sources

Updated Sep 30, 2026 by the RateHerald team. The maths is tested against worked examples; report a problem.