Pennsylvania Mortgage Calculator
Estimate your monthly mortgage payment in Pennsylvania. On the state's median home value of $260,000, with a 20% down payment at today's rates, expect a total monthly payment (principal, interest, taxes, and insurance) around $1,749. Adjust every input for your situation.
Monthly Breakdown
- Principal & Interest$1,315
- Property Tax$342
- Home Insurance$92
Amortization Schedule
| Year | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | $15,776 | $2,325 | $13,452 | $205,675 |
| 2 | $15,776 | $2,481 | $13,296 | $203,195 |
| 3 | $15,776 | $2,647 | $13,130 | $200,548 |
| 4 | $15,776 | $2,824 | $12,952 | $197,724 |
| 5 | $15,776 | $3,013 | $12,763 | $194,711 |
| 6 | $15,776 | $3,215 | $12,562 | $191,496 |
| 7 | $15,776 | $3,430 | $12,346 | $188,066 |
| 8 | $15,776 | $3,660 | $12,117 | $184,406 |
| 9 | $15,776 | $3,905 | $11,871 | $180,501 |
| 10 | $15,776 | $4,167 | $11,610 | $176,334 |
| 11 | $15,776 | $4,446 | $11,331 | $171,889 |
| 12 | $15,776 | $4,743 | $11,033 | $167,145 |
| 13 | $15,776 | $5,061 | $10,715 | $162,084 |
| 14 | $15,776 | $5,400 | $10,377 | $156,685 |
| 15 | $15,776 | $5,762 | $10,015 | $150,923 |
| 16 | $15,776 | $6,147 | $9,629 | $144,776 |
| 17 | $15,776 | $6,559 | $9,217 | $138,216 |
| 18 | $15,776 | $6,998 | $8,778 | $131,218 |
| 19 | $15,776 | $7,467 | $8,309 | $123,751 |
| 20 | $15,776 | $7,967 | $7,809 | $115,784 |
| 21 | $15,776 | $8,501 | $7,276 | $107,283 |
| 22 | $15,776 | $9,070 | $6,706 | $98,213 |
| 23 | $15,776 | $9,678 | $6,099 | $88,535 |
| 24 | $15,776 | $10,326 | $5,451 | $78,210 |
| 25 | $15,776 | $11,017 | $4,759 | $67,193 |
| 26 | $15,776 | $11,755 | $4,021 | $55,438 |
| 27 | $15,776 | $12,542 | $3,234 | $42,895 |
| 28 | $15,776 | $13,382 | $2,394 | $29,513 |
| 29 | $15,776 | $14,278 | $1,498 | $15,235 |
| 30 | $15,776 | $15,235 | $542 | $0 |
Swipe the table sideways to see all columns →
How to use it
A two-minute guide.
The Home Price field is pre-filled with Pennsylvania's median home value (about $260,000). Override with your target home's actual price for a property-specific estimate.
The Property Tax Rate is pre-filled with Pennsylvania's average effective rate of 1.58%. Within Pennsylvania, rates vary by county — if you know your specific local rate from your county assessor or last tax bill, override it for a more precise estimate.
The Home Insurance default reflects Pennsylvania's typical annual premium of approximately $1,100.
Adjust the Down Payment slider to compare scenarios. Below 20% down triggers PMI; the calculator adds it automatically and flags it.
How it works
The math behind the result.
The Pennsylvania median home, in dollar terms. At $260,000 with a 20% down payment, you bring $52,000 to closing (plus closing costs) and take out a $208,000 mortgage. At today's 6.50% 30-year fixed rate, your monthly principal and interest is roughly $1,315.
Pennsylvania's ongoing housing costs. The state's average property tax rate of 1.58% produces about $4,108 per year on a median-priced home — typically paid through escrow with your mortgage. Insurance averages $1,100/year in Pennsylvania.
Total monthly payment (PITI) on the median Pennsylvania home works out to about $1,749/month at current rates with 20% down and no HOA. Putting less down adds PMI; HOA dues add separately if your specific neighborhood requires them.
Your specific city matters. Median home prices vary widely within Pennsylvania — major cities are usually 30-100% above the state median, rural areas can be well below. For city-specific calculators with local home prices pre-filled, use the city links below.
Questions
Frequently asked.
Want a more local estimate? See our city-specific Pennsylvania mortgage calculators or check Pennsylvania property tax rates.
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