Berks County, Pennsylvania home prices
Typical home $310,918 · +3.5% in a year · property tax 1.65%
The typical home in Berks County is worth $310,918, 8% more than the Pennsylvania typical home ($287,078). Values changed +3.5% in the past year and +36.8% over five years. Homeowners here pay a median 1.65% of their home's value in property tax each year ($5,122 on the typical home), versus 1.12% statewide.
Mortgage on the typical Berks County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $62,184 | $248,735 | $1,673 | $0 | $582 | $2,256 | $96,700 |
| 10% down | $31,092 | $279,826 | $1,882 | $117 | $582 | $2,581 | $110,600 |
| 5% down | $15,546 | $295,372 | $1,987 | $123 | $582 | $2,692 | $115,400 |
| 3.5% down (FHA) | $10,882 | $305,287 | $2,054 | $138 | $582 | $2,774 | $118,900 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.65% 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.
What it takes: see what you can afford by salary in Pennsylvania · part of the Reading metro area.
Pennsylvania counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Monroe County | $310,974 | +1.7% | 1.66% |
| York County | $309,136 | +3.4% | 1.61% |
| Wayne County | $307,695 | +3.6% | 1.26% |
| Pike County | $305,224 | +3.5% | 1.3% |
| Lebanon County | $319,829 | +5.1% | 1.37% |
| Union County | $295,020 | +4.9% | 1.14% |
| Perry County | $292,119 | +4.1% | 1.21% |
| Butler County | $331,467 | -1.8% | 1.01% |
| Adams County | $331,644 | +3.0% | 1.33% |
| Franklin County | $289,562 | +1.6% | 1.1% |
Frequently asked questions
What is the average home price in Berks County, PA?
The typical home value in Berks County is $310,918 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Berks County?
About $96,700 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Berks County?
The median effective rate is 1.65% of home value a year (Census ACS 2024 5-year estimates).