How much house can I afford on $60,000 in Pennsylvania?
About $205,000 with 20% down ($165,000 with an FHA loan), using Pennsylvania's 1.12% property tax rate.
That is $81,761 less than the typical Pennsylvania home ($287,078), so on $60,000 you'd look at cheaper areas or a smaller home. The payment of $1,400 covers $1,105 principal and interest, $192 property tax and $103 insurance.
Counties in Pennsylvania you can afford on $60,000
26 of 67 counties have a typical home value at or below $205,000. The 25 priciest of them:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Bradford County | $199,574 | +4.2% | 1.09% |
| Clinton County | $198,515 | +1.7% | 1.16% |
| Mifflin County | $197,401 | +4.8% | 1.45% |
| Huntingdon County | $181,292 | +2.7% | 0.94% |
| Somerset County | $180,049 | +5.0% | 0.98% |
| Schuylkill County | $179,851 | +4.2% | 1.4% |
| Mercer County | $179,580 | +0.5% | 1.18% |
| Crawford County | $175,975 | +7.0% | 1.35% |
| Northumberland County | $175,473 | +1.4% | 1.1% |
| Blair County | $175,427 | +6.4% | 1.07% |
| Indiana County | $172,619 | +8.2% | 1.5% |
| Lawrence County | $164,572 | +4.2% | 1.34% |
| Armstrong County | $161,968 | -0.5% | 1.37% |
| Potter County | $160,272 | +4.6% | 1.21% |
| Greene County | $154,905 | -3.5% | 1.27% |
| Clearfield County | $144,352 | +4.3% | 1.09% |
| Fayette County | $143,795 | -1.6% | 1.12% |
| Clarion County | $140,548 | -1.8% | 0.97% |
| Warren County | $139,074 | +2.1% | 1.32% |
| Elk County | $137,822 | +15.8% | 1.27% |
| Forest County | $130,593 | +7.2% | 0.99% |
| Venango County | $127,794 | -0.4% | 1.27% |
| Cambria County | $124,304 | +3.5% | 1.23% |
| Jefferson County | $121,510 | -0.7% | 1% |
| McKean County | $109,724 | -3.2% | 1.59% |
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 $60,000 in Pennsylvania?
About $205,000 with 20% down at 7.11%, keeping the payment (with Pennsylvania's 1.12% property tax and insurance) under $1,400 a month.
Is $60,000 enough to buy a house in Pennsylvania?
Not the typical home: the typical Pennsylvania home is worth $287,078 (Zillow, September 2026) and $60,000 supports about $205,000. 26 of 67 counties are within budget.