How much house can I afford on $120,000 in Pennsylvania?
About $411,000 with 20% down ($330,000 with an FHA loan), using Pennsylvania's 1.12% property tax rate.
That is $123,556 more than the typical Pennsylvania home ($287,078), so a $120,000 salary can buy a typical home here. The payment of $2,800 covers $2,210 principal and interest, $385 property tax and $205 insurance.
Counties in Pennsylvania you can afford on $120,000
64 of 67 counties have a typical home value at or below $411,000. The 25 priciest of them:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Lancaster County | $386,389 | +4.3% | 1.32% |
| Northampton County | $374,198 | +3.5% | 1.52% |
| Lehigh County | $363,024 | +3.8% | 1.55% |
| Delaware County | $362,572 | +2.6% | 1.84% |
| Centre County | $351,727 | +2.4% | 1.05% |
| Cumberland County | $341,579 | +2.2% | 1.17% |
| Adams County | $331,644 | +3.0% | 1.33% |
| Butler County | $331,467 | -1.8% | 1.01% |
| Lebanon County | $319,829 | +5.1% | 1.37% |
| Monroe County | $310,974 | +1.7% | 1.66% |
| Berks County | $310,918 | +3.5% | 1.65% |
| York County | $309,136 | +3.4% | 1.61% |
| Wayne County | $307,695 | +3.6% | 1.26% |
| Pike County | $305,224 | +3.5% | 1.3% |
| Union County | $295,020 | +4.9% | 1.14% |
| Perry County | $292,119 | +4.1% | 1.21% |
| Franklin County | $289,562 | +1.6% | 1.1% |
| Dauphin County | $277,230 | +2.8% | 1.35% |
| Montour County | $276,877 | +4.3% | 1.01% |
| Carbon County | $265,940 | +0.6% | 1.46% |
| Susquehanna County | $243,887 | +5.2% | 1.09% |
| Columbia County | $243,148 | +4.9% | 1.11% |
| Lackawanna County | $242,972 | +2.0% | 1.49% |
| Wyoming County | $240,208 | +1.9% | 1.31% |
| Snyder County | $240,138 | +4.9% | 1.11% |
Affordable metro areas
Assumes a 30-year fixed loan at 7.11%, property tax of 1.12% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Other salaries in Pennsylvania
Frequently asked questions
How much house can I afford on $120,000 in Pennsylvania?
About $411,000 with 20% down at 7.11%, keeping the payment (with Pennsylvania's 1.12% property tax and insurance) under $2,800 a month.
Is $120,000 enough to buy a house in Pennsylvania?
Yes: the typical Pennsylvania home is worth $287,078 (Zillow, September 2026) and $120,000 supports about $411,000. 64 of 67 counties are within budget.