How much house can I afford on $80,000 in Pennsylvania?
About $274,000 with 20% down ($220,000 with an FHA loan), using Pennsylvania's 1.12% property tax rate.
That is $13,322 less than the typical Pennsylvania home ($287,078), so on $80,000 you'd look at cheaper areas or a smaller home. The payment of $1,867 covers $1,473 principal and interest, $257 property tax and $137 insurance.
Counties in Pennsylvania you can afford on $80,000
45 of 67 counties have a typical home value at or below $274,000. The 25 priciest of them:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| 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% |
| Fulton County | $239,744 | +6.9% | 1.02% |
| Juniata County | $236,854 | +2.7% | 0.99% |
| Allegheny County | $236,739 | -0.1% | 1.52% |
| Washington County | $235,765 | +2.3% | 1.09% |
| Lycoming County | $235,755 | +3.4% | 1.31% |
| Philadelphia County | $231,558 | +0.0% | 0.82% |
| Luzerne County | $227,445 | +3.3% | 1.45% |
| Erie County | $222,044 | +4.7% | 1.6% |
| Tioga County | $218,488 | +1.9% | 1.15% |
| Sullivan County | $214,269 | +5.8% | 1.02% |
| Westmoreland County | $213,431 | +0.3% | 1.23% |
| Bedford County | $212,134 | +4.3% | 0.81% |
| Beaver County | $208,836 | +3.4% | 1.42% |
| 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% |
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 $80,000 in Pennsylvania?
About $274,000 with 20% down at 7.11%, keeping the payment (with Pennsylvania's 1.12% property tax and insurance) under $1,867 a month.
Is $80,000 enough to buy a house in Pennsylvania?
Not the typical home: the typical Pennsylvania home is worth $287,078 (Zillow, September 2026) and $80,000 supports about $274,000. 45 of 67 counties are within budget.