Lancaster County, Pennsylvania home prices
Typical home $386,389 · +4.3% in a year · property tax 1.32%
The typical home in Lancaster County is worth $386,389, 35% more than the Pennsylvania typical home ($287,078). Values changed +4.3% in the past year and +34.7% over five years. Homeowners here pay a median 1.32% of their home's value in property tax each year ($5,101 on the typical home), versus 1.12% statewide.
Mortgage on the typical Lancaster County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $77,278 | $309,111 | $2,079 | $0 | $618 | $2,698 | $115,600 |
| 10% down | $38,639 | $347,750 | $2,339 | $145 | $618 | $3,103 | $133,000 |
| 5% down | $19,319 | $367,070 | $2,469 | $153 | $618 | $3,241 | $138,900 |
| 3.5% down (FHA) | $13,524 | $379,391 | $2,552 | $171 | $618 | $3,341 | $143,200 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.32% 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 Lancaster metro area.
Pennsylvania counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| 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% |
Frequently asked questions
What is the average home price in Lancaster County, PA?
The typical home value in Lancaster County is $386,389 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Lancaster County?
About $115,600 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Lancaster County?
The median effective rate is 1.32% of home value a year (Census ACS 2024 5-year estimates).