Pennsylvania Mortgage Calculator - Estimate Your Monthly Payment with Taxes, PMI & Insurance
Pennsylvania property taxes are local and usually include county, municipal, and school district components. This state page uses a broad local property-tax benchmark and the Pennsylvania state realty transfer tax; county and city pages override the largest mortgage markets. On a $400,000 Pennsylvania planning example with 20% down at 6.5% for 30 years, principal and interest are about $2,023; at ~1.49% statewide property-tax planning rate, tax escrow is about $497/mo, for estimated PITI near $2,620 before PMI. Pennsylvania transfer taxes affect closing costs while local millage sets escrow—Philadelphia and Allegheny pages refine the statewide view.
Loan Details
$70,000 · LTV 80%
Buyer Profile
Extra Payment
Optional principal-only payment used to estimate payoff speed and interest savings.
Monthly Payment
$1,770 Principal & Interest · $435 Property Taxes · $125 Other
Embed this calculator
Paste the HTML below into your site or CMS (WordPress Custom HTML, static pages, docs). The iframe loads a lightweight, noindex surface of this tool. Keep the attribution link so visitors can open the full calculator on dailycalcs.com.
- Width is responsive (100%); default height is 900px — raise it if your theme clips the form.
- Host page should be HTTPS; iframe src is always HTTPS.
- Do not remove the “Powered by dailycalcs.com” link — it points to the canonical tool page.
Methodology and limitations
Last reviewed:
Methodology
Uses standard principal-and-interest mortgage math, then models housing-cost inputs such as tax, insurance, PMI, and extra-payment scenarios where available. National pages include worked PITI, term, and PMI comparison examples for planning. Local HMDA denial context and Freddie Mac PMMS rate history snapshots were re-verified on the last-reviewed date.
Limitations
Planning estimate only. Actual approval, escrow, PMI, fees, taxes, insurance, and closing disclosures depend on lender, property, borrower profile, and local rules.
Pennsylvania Mortgage Calculator - Estimate Your Monthly Payment with Taxes, PMI & Insurance
Pennsylvania property taxes are local and usually include county, municipal, and school district components. This state page uses a broad local property-tax benchmark and the Pennsylvania state realty transfer tax; county and city pages override the largest mortgage markets. On a $400,000 Pennsylvania planning example with 20% down at 6.5% for 30 years, principal and interest are about $2,023; at ~1.49% statewide property-tax planning rate, tax escrow is about $497/mo, for estimated PITI near $2,620 before PMI. Pennsylvania transfer taxes affect closing costs while local millage sets escrow—Philadelphia and Allegheny pages refine the statewide view.
Use this mortgage calculator for Pennsylvania to estimate the monthly payment with principal, interest, configured annual taxes, eligible exemptions, and assistance programs when the buyer profile matches the conditions.
Enter your income to see your approval odds in Pennsylvania — based on 169,301 2025 HMDA applications.
What This Estimate Uses
- Geographic level: state
- Configured property tax rate: 1.49%
- Configured benefits or exemptions: 2
- Reviewed sources: 4
What Changes in Pennsylvania
- Data level used: state. This page uses the most specific available data layer for Pennsylvania.
- Configured combined annual property tax rate: 1.49% before exemptions and buyer-specific conditions are applied.
- Configured down payment assistance programs: PHFA K-FIT Down Payment Assistance.
Local Tax Assumptions
These are the annual tax assumptions configured for this page. The calculator applies them to the appropriate value, then accounts for exemptions or conditions when the buyer selects them.
- Pennsylvania Local Property Tax - 1.490%
Programs and Exemptions Included
These benefits do not mean automatic approval. The calculator models them when the buyer inputs match the configured eligibility conditions.
- PHFA K-FIT Down Payment Assistance - 5% of sale price, up to $10,000 (requires: first-time buyer, primary residence)
- Mortgage Credit Certificate (MCC) - 20% of mortgage interest (requires: first-time buyer, primary residence, buyer has a Mortgage Credit Certificate)
When This Estimate Can Change
- The actual property tax bill depends on the address, overlapping taxing jurisdictions, approved exemptions, and appraised value.
- Home insurance, flood insurance, HOA dues, and PMI can vary by property, lender, and buyer profile.
- Configured closing costs include Pennsylvania State Realty Transfer Tax, but other settlement charges may appear on a real loan estimate.
2025 Local Home-Purchase Mortgage Market in Pennsylvania
Local home-purchase mortgage market context for Pennsylvania: in 2025 Home Mortgage Disclosure Act (HMDA) data, Pennsylvania logged 169,301 final-action applications. The mortgage denial rate was 8.65% and the originated share was 73.07%.
| Metric | Pennsylvania |
|---|---|
| Final-action applications | 169,301 |
| Mortgage denial rate | 8.65% |
| Originated share | 73.07% |
Source: FFIEC HMDA (modified LAR, home purchase) 2025 · Snapshot verified · Texas vs California mortgage denial rates (methodology)
ACS 2019-2023 Housing Costs in Pennsylvania
In ACS 2023 (2019-2023), the median home value in Pennsylvania is $240,500; the median effective property tax rate (taxes ÷ value) is 1.35%; the median price-to-income ratio is 3.2×; 23.5% of owners with a mortgage pay ≥30% of income on housing.
| Metric | Pennsylvania |
|---|---|
| Median home value | $240,500 |
| Median real estate taxes | $3,241 |
| Median household income | $76,081 |
| Median monthly owner costs (w/ mortgage) | $1,722 |
| Median effective tax rate (tax ÷ value) | 1.35% |
| Price-to-income ratio | 3.2× |
| Cost burden ≥30% (with mortgage) | 23.5% |
Source: U.S. Census Bureau ACS 5-year 2023 · Snapshot verified
Nearby location comparison
Planning comparison on a $400,000 home with 20% down, 6.5% fixed for 30 years, and $100/mo insurance. Monthly tax uses each page's configured property tax rate.
| Location | Est. property tax rate | Est. monthly tax | Est. monthly PITI |
|---|---|---|---|
| Pennsylvania (this page) | 1.49% | $497 | $2,619 |
| Arizona | 0.63% | $210 | $2,333 |
| Arkansas | 0.62% | $207 | $2,329 |
| California | 1.00% | $333 | $2,456 |
| Colorado | 0.55% | $183 | $2,306 |
| Florida | 1.70% | $567 | $2,690 |
Local Data and Sources
Last editorial verification: May 15, 2026. This page combines the official data layers configured for Pennsylvania.
The sources used on this page are Consumer Financial Protection Bureau mortgage cost guidance, Pennsylvania Department of Revenue realty transfer tax, Pennsylvania DCED property tax information, Pennsylvania Housing Finance Agency homebuyer programs. Each source lists which rate, exemption, or program it validates and when it was last reviewed.
- Consumer Financial Protection Bureau mortgage cost guidance - verified May 3, 2026 - General U.S. mortgage closing-cost and mortgage-cost guidance.
- Pennsylvania Department of Revenue realty transfer tax - verified May 15, 2026 - Official source for Pennsylvania state realty transfer tax guidance.
- Pennsylvania DCED property tax information - verified May 15, 2026 - Official Pennsylvania local-government source family for property-tax context and local tax programs.
- Pennsylvania Housing Finance Agency homebuyer programs - verified May 15, 2026 - Official PHFA source for Pennsylvania mortgage and down payment assistance programs.
Frequently Asked Questions
Does Pennsylvania have a transfer tax?
Yes. The state realty transfer tax is modeled at 1% of the sale price. Local realty transfer taxes can apply in addition to the state tax and vary by municipality and school district. Use this state mortgage calculator to combine that assumption with principal, interest, insurance, and PMI, then drill into county or city pages when you have a specific address.
What Pennsylvania assistance is modeled?
The state file models PHFA-style K-FIT assistance as a percentage of purchase price capped at a planning maximum for eligible first-time buyers. Use this state mortgage calculator to combine that assumption with principal, interest, insurance, and PMI, then drill into county or city pages when you have a specific address.
What is a sample Pennsylvania PITI on $400,000?
With 20% down at 6.5% for 30 years, principal and interest are about $2,023. At ~1.49% statewide property-tax planning rate, monthly escrow is about $497; with $100 insurance, estimated PITI is about $2,620 without PMI. Drill into county or city calculators for address-level millage.
Does this mortgage calculator include taxes and insurance?
Yes. This calculator estimates your full monthly housing payment by combining principal and interest with property taxes, homeowners insurance, and PMI when your down payment is below 20%. The result reflects a PITI-style payment rather than principal and interest alone, which helps you compare homes and loan scenarios more realistically before talking to a lender.
When does PMI apply on a mortgage?
Private Mortgage Insurance (PMI) typically applies when your loan-to-value ratio exceeds 80%, meaning your down payment is less than 20% of the purchase price. PMI is usually added to the monthly payment until you reach sufficient equity. This calculator includes PMI in the estimate when your inputs trigger it, so you can see how a smaller down payment affects affordability.