Pennsylvania mortgage calculator

Use our free mortgage calculator to estimate your monthly mortgage payment, includi...ng your principal and interest, taxes, insurance, and PMI in Pennsylvania. See how your monthly payment changes by making updates to your home price, down payment, interest rate, and loan term.

Pennsylvania housing market

Pennsylvania, the Keystone State, saw home prices rise by 5.5% last year with the g...rowth 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.

Your monthly payment
$1,599
30 year fixed loan term
Monthly payment
Principal & interest

$1,163

Property taxes

Homeowners insurance

Homeowners association (HOA) fees

Compare common loan types

Total principal: $240,000

Loan Term
30 year fixedYour input
15 year fixed30 year fixed
Monthly Payment$1,599$2,011$1,435
Mortgage Rate4.125%2.277%*2.903%*
Total interest paid
$178,737
$43,540
$119,762
Loan Term
30 year fixedYour input
15 year fixed30 year fixed
Monthly Payment$1,599$2,011$1,435
Mortgage Rate4.125%2.277%*2.903%*
Total interest paid
$178,737
$43,540
$119,762
Amortization

See how your payments change over time for your 30 year fixed loan term

At year 0

30 year fixed loan term

Remaining
$240,000
Principal Paid
$0
Interest Paid
$0
Year 0
drag me
1
30
Years

We’ll share an interesting insight here for key milestones in your payoff schedule.

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Principal & interest

$1,163

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Pennsylvania mortgage and refinance rates today (APR)

ProductInterest rateAPR
30-year fixed-rate2.833%2.891%
20-year fixed-rate2.641%2.718%
15-year fixed-rate2.197%2.309%
10-year fixed-rate2.019%2.101%
7/1 ARM2.292%2.968%
5/1 ARM2.125%3.003%
30-year fixed-rate FHA2.315%2.995%
30-year fixed-rate VA2.490%2.710%

Data source: ©Zillow, Inc. 2006 – 2020. Use is subject to the Terms of Use

Today's rate

2.891%
30-year fixed

Today’s mortgage rates in Pennsylvania are 2.891% for a 30-year fixed, 2.309% for a 15-year fixed, and 3.003% for a 5/1 adjustable-rate mortgage (ARM).

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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.

County
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