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Pennsylvania Mortgage Calculator

Use this free Pennsylvania mortgage calculator to estimate your monthly mortgage payments and annual amortization.

Loan details

%

Monthly payment

$2,041

at 6.43% · 30-year fixed

  • Principal & interest

    $1,506

  • Property taxes

    $375

  • Homeowners insurance

    $160

Loan amount

$240,000

Total interest paid

$302,135

Payoff date

—

YOU'RE KEEPING $36,754

$36,754

stays in your pocket

That's your total savings over 30 years at today's best rate on NerdWallet (6.43%) vs. the 7.07% national average — $102 less every month.

  • Today's best rate: 6.43%

  • Get your free rate with no credit impact

Get my rate

No impact to your credit score

Calculated payments and savings are estimates. The calculator result does not constitute an offer for a loan and will not solicit a loan offer. Savings will depend on the actual amounts and rate for which you are approved, should you choose to apply.

Getting a Mortgage in Pennsylvania

Written by 
,  Edited by 
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Last updated November 19, 2025
Real estate markets can vary dramatically by location, which is why national housing averages don’t always reflect what buyers actually pay. Housing costs are just one part of affordability, and tools like a cost of living calculator can help show how factors such as taxes, utilities, and everyday expenses differ from place to place.
Mortgage costs in Pennsylvania, the Keystone State, vary depending on where you buy. In Chester County, home to some of the state’s most expensive housing markets near Philadelphia, the typical monthly mortgage payment for a median-priced home was $3,192 in Q1 2025, based on a median home value of $544,624, according to the National Association of Realtors. By comparison, the national median monthly payment was $2,120 for a median-priced single-family home valued at $402,300.
By contrast, Erie County, home to the city of Erie, is more affordable. There, the typical monthly mortgage payment was $1,221 for a median-priced home valued at $208,302, reflecting more moderate home prices outside Pennsylvania’s higher-cost regions.

Pennsylvania mortgage and refinance rates today (APR)

ProductInterest rateAPR
30-year fixed-rate7.208%7.214%
20-year fixed-rate6.955%6.963%
15-year fixed-rate6.256%6.268%
10-year fixed-rate6.375%6.379%
7-year ARM6.957%6.846%
5-year ARM6.625%6.509%
30-year fixed-rate FHA5.375%6.092%
30-year fixed-rate VA6.447%6.790%
Data source: ©Zillow, Inc. 2006 – 2026. Use is subject to the Terms of Use

Today's rate

7.214%

30-year fixed

Today's mortgage rates in Pennsylvania are 7.214% for a 30-year fixed, 6.268% for a 15-year fixed, and 6.509% for a 5-year adjustable-rate mortgage (ARM).

Pennsylvania's first-time home buyer programs

There are several national first-time home buyer programs that may be able to help you get into a home in Pennsylvania.
» MORE: First-time home buyer programs by state

Average property tax by county

Taking U.S. Census data, NerdWallet has crunched the numbers to help you understand what property tax rate you can expect to pay on your future home in Pennsylvania. Because assessed values aren't frequently updated, you may pay a higher rate at first but eventually you'll pay a similar rate.

CountyAvg. property tax rateMedian home value
Adams County1.33%$255,900
Allegheny County1.61%$221,700
Armstrong County1.46%$137,700
Beaver County1.38%$178,600
Bedford County0.81%$165,200
Berks County1.79%$248,200
Blair County1.07%$159,000
Bradford County1.08%$169,700
Bucks County1.33%$427,500
Butler County1.09%$286,000
Cambria County1.31%$114,400
Cameron County1.40%$85,900
Carbon County1.64%$202,700
Centre County1.11%$309,100
Chester County1.32%$454,500
Clarion County0.99%$143,300
Clearfield County1.21%$124,200
Clinton County1.14%$165,100
Columbia County1.07%$183,200
Crawford County1.37%$146,100
Cumberland County1.19%$259,800
Dauphin County1.42%$217,400
Delaware County1.74%$316,200
Elk County1.23%$121,900
Erie County1.63%$165,600
Fayette County1.10%$130,800
Forest County0.83%$102,300
Franklin County1.06%$235,800
Fulton County0.94%$188,000
Greene County1.18%$140,900
Huntingdon County0.81%$169,000
Indiana County1.51%$150,100
Jefferson County0.96%$121,100
Juniata County0.85%$185,900
Lackawanna County1.52%$183,200
Lancaster County1.31%$287,200
Lawrence County1.35%$128,800
Lebanon County1.31%$228,800
Lehigh County1.60%$287,300
Luzerne County1.49%$169,600
Lycoming County1.35%$194,700
McKean County1.35%$96,600
Mercer County1.21%$156,000
Mifflin County1.40%$131,300
Monroe County1.89%$260,300
Montgomery County1.41%$413,100
Montour County1.01%$227,800
Northampton County1.66%$292,300
Northumberland County1.21%$161,500
Perry County1.17%$210,600
Philadelphia County0.88%$237,900
Pike County1.34%$225,100
Potter County1.13%$135,200
Schuylkill County1.40%$141,700
Snyder County1.11%$197,300
Somerset County1.10%$136,300
Sullivan County0.89%$179,000
Susquehanna County0.96%$199,000
Tioga County1.13%$165,000
Union County1.20%$210,300
Venango County1.25%$108,500
Warren County1.28%$116,300
Washington County1.17%$224,300
Wayne County1.15%$211,000
Westmoreland County1.31%$193,000
Wyoming County1.40%$194,700
York County1.68%$239,000
Source: American Communities Survey 2022, U.S. Census

How to use the mortgage calculator

To use our mortgage calculator, add your details to the following fields:
1. Home price: What you're hoping to spend on a home.
2. ZIP code: The home's location.
3. Down payment: How much cash you're paying up front toward the home's price. This calculator defaults to showing a 20% down payment, but you can adjust it up or down by changing the dollar amount or the percentage. This calculator assumes you're using a conventional loan, so it will automatically add private mortgage insurance (PMI) if the down payment amount is less than 20%.
4. Loan term: The default is 30 years, but you can also choose a shorter term.
5. Interest rate: Use today's average APR, enter the rate you've been quoted or use the lowest APR NerdWallet partners are offering today.
That's the least you can do. To get more accurate results, fill in the following four categories. (Estimates are fine, but this goes over how to get more specific numbers.)
6. Property taxes (per year): This is autofilled with an estimate, but property taxes vary tremendously throughout the country. Get more precise by looking up the tax rate where you're planning to buy or looking at the tax history for the home you're interested in. You can change the property tax amount by editing the dollar amount or the percentage.
7. Homeowners insurance (per year): Mortgage lenders require borrowers to have homeowners insurance. Not sure what you might pay? This calculator puts in an estimate, but you can use NerdWallet's home insurance calculator to fine-tune it. All you need to know is the property location and the rough amount you'd be looking to insure — use the home's price as a proxy.
8. HOA fees: If the home is part of a homeowners association, put the monthly dues here. (The calculator default is no HOA costs.) This is also information you can likely crib from a home's listing. One other note — if there are HOA fees but you're going to pay them directly rather than with an escrow account, you can omit them here.
9. PMI (monthly): If you've entered a down payment amount under 20%, this will autofill, since the calculator assumes you're using a conventional loan. PMI is tied to your credit score, so if you want a more accurate figure, pop over to NerdWallet's PMI calculator. If you're using a VA loan, you can zero this out, since VA loans do not require mortgage insurance. On the other hand, if you're getting an FHA loan, you'll have to pay mortgage insurance premiums regardless of your down payment amount. For more accurate payment info, use our FHA mortgage calculator.
The calculator's results will update as you adjust the numbers in these fields. The results show you the monthly payment, as well as:
  • Loan amount: How much you're actually borrowing in principal.
  • Total interest paid: How much interest you will pay over the life of the mortgage if you keep it until its term ends. (Most people sell or refinance well before that point, but it's still interesting info.)
  • Payoff date: If you kept the same loan for its entire term, here's the month and year when you'd own the home free and clear.
There's also a simple annual amortization schedule. Amortization shows how your mortgage payment changes over time. Even though the principal and interest payment doesn't change with a fixed-rate mortgage, the percentage of that payment that's going toward each component does. At the beginning of the loan, more goes toward interest; the closer to the end of the loan's term, the more of the payment goes toward principal. If you want a more detailed month-by-month look, yes, NerdWallet has an amortization calculator, too.
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CONSIDERING A REFI? If you're looking to see how much you could save by refinancing your mortgage, try NerdWallet's refinance calculator.
» MORE FOR CANADIAN READERS: Canada mortgage payment calculator