Pennsylvania mortgage calculator

This mortgage calculator will help you estimate the costs of your mortgage loan. Get a clear breakdown of your potential mortgage payments with taxes and insurance included.
Pennsylvania housing market
Pennsylvania, the Keystone State, saw home prices rise by 5.5% last year with the growth rate expected to rise in 2019. The cost of living in Pennsylvania is low relative to other states, with homeowners spending 19% of their monthly income on housing costs. Even major cities like Pittsburgh and Philadelphia are relatively affordable compared to other major metros. That would likely make the signatories of the Declaration of Independence, who gathered at Independence Hall in Philadelphia, proud given how they focused on liberating the colonies from extra costs (taxes) imposed on them by the monarchy.

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Your monthly payment
30 year fixed loan term
Principal & interest


Property taxes

Homeowners insurance

Homeowners association (HOA) fees

Principal & interest


Property taxes

Homeowners insurance

Homeowners association (HOA) fees

Compare common loan types
Total principal: $240,000
Loan Term
30-year fixed
Your Input
15-year fixed
30-year fixed
Total Monthly Payment$1,599$2,061$1,520
Mortgage Rate4.125%2.72%*3.546%*
Total interest paid$178,737$52,548$150,197
* Data source: ©Zillow, Inc. 2006 – 2022. Use is subject to the Terms of Use
See how your payments change over time for your 30-year fixed loan term
At year 0
30 year fixed loan term

Principal Paid
Interest Paid
Year 0
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Pennsylvania mortgage and refinance rates today (APR)

ProductInterest rateAPR
30-year fixed-rate3.465%3.524%
20-year fixed-rate3.173%3.249%
15-year fixed-rate2.563%2.674%
10-year fixed-rate2.083%2.202%
7/1 ARM2.955%3.094%
5/1 ARM2.843%3.054%
30-year fixed-rate FHA4.156%5.015%
30-year fixed-rate VA3.009%3.316%

Data source: ©Zillow, Inc. 2006 – 2021. Use is subject to the Terms of Use

Today's rate

30-year fixed

Today’s mortgage rates in Pennsylvania are 3.524% for a 30-year fixed, 2.674% for a 15-year fixed, and 3.054% for a 5/1 adjustable-rate mortgage (ARM).

Getting ready to buy a home? We’ll find you a highly rated lender in just a few minutes.

Enter your ZIP code to get started on a personalized lender match.


Pennsylvania's first-time home buyer programs

The Pennsylvania Housing Finance Agency, or PHFA, offers several loan programs to help qualified first-time home buyers get a mortgage.

HFA Preferred Risk Sharing

State program

Review PHFA lenders

at NerdWallet

Best for

Low mortgage insurance

What you need to know

This program eliminates the typical requirement that borrowers who put down less than 20% must pay mortgage insurance premiums. Your monthly mortgage payment is usually lower, though your loan’s interest rate may be slightly higher. There is no first-time buyer restriction for this program.

See full article

Pennsylvania's best mortgage lenders

NerdWallet has done the work for you to pick the best financing partner for you in Pennsylvania.

See full article

Average property tax in Pennsylvania counties

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.

Avg. property tax rate
Avg. home value
Adams County1.36%$203,500
Allegheny County1.92%$153,500
Armstrong County1.66%$114,400
Beaver County1.61%$138,300
Bedford County0.91%$126,800
Berks County1.97%$173,700
Blair County1.13%$129,600
Bradford County1.12%$145,600
Bucks County1.45%$326,700
Butler County1.21%$210,200
Cambria County1.41%$91,600
Cameron County1.69%$73,800
Carbon County1.83%$151,400
Centre County1.24%$232,300
Chester County1.39%$355,000
Clarion County1.13%$109,900
Clearfield County1.35%$96,600
Clinton County1.28%$124,700
Columbia County1.15%$151,700
Crawford County1.49%$114,600
Cumberland County1.22%$202,300
Dauphin County1.6%$173,600
Delaware County1.83%$244,900
Elk County1.39%$97,100
Erie County1.7%$138,700
Fayette County1.21%$101,000
Forest County1.02%$91,000
Franklin County1.16%$182,000
Fulton County1.03%$156,000
Greene County1.32%$108,600
Huntingdon County0.92%$121,900
Indiana County1.59%$120,200
Jefferson County1.06%$96,700
Juniata County0.92%$143,600
Lackawanna County1.51%$153,100
Lancaster County1.5%$204,200
Lawrence County1.46%$115,200
Lebanon County1.44%$172,900
Lehigh County1.74%$211,300
Luzerne County1.57%$125,700
Lycoming County1.34%$160,800
McKean County1.61%$77,100
Mercer County1.3%$123,700
Mifflin County1.43%$103,700
Monroe County2.39%$164,000
Montgomery County1.5%$315,900
Montour County1.09%$173,800
Northampton County1.84%$212,000
Northumberland County1.25%$115,900
Perry County1.23%$164,000
Philadelphia County0.97%$166,200
Pike County1.58%$183,400
Potter County1.37%$103,700
Schuylkill County1.56%$101,900
Snyder County1.27%$154,800
Somerset County1.2%$110,000
Sullivan County0.88%$148,500
Susquehanna County1.11%$159,100
Tioga County1.28%$139,400
Union County1.29%$172,200
Venango County1.48%$85,000
Warren County1.48%$92,200
Washington County1.23%$171,100
Wayne County1.27%$174,600
Westmoreland County1.45%$151,200
Wyoming County1.23%$163,500
York County1.79%$179,900

Source: American Communities Survey 2016, U.S. Census

Under "Home price," enter the price (if you're buying) or the current value (if you're refinancing). NerdWallet also has a .

Under "Down payment," enter the amount of your down payment (if you’re buying) or the amount of equity you have (if refinancing). A  is the cash you pay upfront for a home, and  is the value of the home, minus what you owe.

On desktop, under "Interest rate" (to the right), enter the rate. Under "Loan term," click the plus and minus signs to adjust the length of the mortgage in years.

On mobile devices, tap "Refine Results" to find the field to enter the rate and use the plus and minus signs to select the "Loan term."

You may enter your own figures for  and , if you don’t wish to use NerdWallet’s estimates. Edit these figures by clicking on the amount currently displayed.

The mortgage calculator lets you click "Compare common loan types" to view a comparison of different loan terms. Click "Amortization" to see how the principal balance, principal paid (equity) and total interest paid change year by year. On mobile devices, scroll down to see "Amortization."

» MORE: 

The mortgage payment calculation looks like this: M = P [ i(1 + i)^n ] / [ (1 + i)^n – 1]

The variables are as follows:

Determining what your monthly house payment will be is an important part of figuring out how much house you can afford. That monthly payment is likely to be the biggest part of your cost of living.

Using NerdWallet’s mortgage calculator lets you estimate your mortgage payment when you buy a home or refinance. You can change loan details in the calculator to run scenarios. The calculator can help you decide:

Mortgage lenders are required to assess your ability to repay the amount you want to borrow. A lot of factors go into that assessment, and the main one is debt-to-income ratio.

Your  is the percentage of pretax income that goes toward monthly debt payments, including the mortgage, car payments, student loans, minimum credit card payments and child support. Lenders look most favorably on debt-to-income ratios of 36% or less — or a maximum of $1,800 a month on an income of $5,000 a month before taxes.

» MORE: 

If your mortgage payment included just principal and interest, you could use a bare-bones mortgage calculator. But most mortgage payments include other charges as well. Here are the key components of the monthly mortgage payment:

Typically, when you belong to a homeowners association, the dues are billed directly, and it's not added to the monthly mortgage payment. Because HOA dues can be easy to forget, they're included in NerdWallet's mortgage calculator.

The mortgage calculator lets you test scenarios to see how you can reduce the monthly payments:

Your monthly payment can go up over time if: