Philadelphia County, Pennsylvania home prices
Typical home $231,558 · +0.0% in a year · property tax 0.82%
The typical home in Philadelphia County is worth $231,558, 19% less than the Pennsylvania typical home ($287,078). Values changed +0.0% in the past year and +8.8% over five years. Homeowners here pay a median 0.82% of their home's value in property tax each year ($1,908 on the typical home), versus 1.12% statewide.
Mortgage on the typical Philadelphia County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $46,312 | $185,247 | $1,246 | $0 | $275 | $1,521 | $65,200 |
| 10% down | $23,156 | $208,403 | $1,402 | $87 | $275 | $1,764 | $75,600 |
| 5% down | $11,578 | $219,981 | $1,480 | $92 | $275 | $1,846 | $79,100 |
| 3.5% down (FHA) | $8,105 | $227,364 | $1,529 | $102 | $275 | $1,907 | $81,700 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.82% 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 Philadelphia metro area.
Pennsylvania counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Luzerne County | $227,445 | +3.3% | 1.45% |
| Lycoming County | $235,755 | +3.4% | 1.31% |
| Washington County | $235,765 | +2.3% | 1.09% |
| Allegheny County | $236,739 | -0.1% | 1.52% |
| Juniata County | $236,854 | +2.7% | 0.99% |
| Fulton County | $239,744 | +6.9% | 1.02% |
| Snyder County | $240,138 | +4.9% | 1.11% |
| Wyoming County | $240,208 | +1.9% | 1.31% |
| Erie County | $222,044 | +4.7% | 1.6% |
| Lackawanna County | $242,972 | +2.0% | 1.49% |
Frequently asked questions
What is the average home price in Philadelphia County, PA?
The typical home value in Philadelphia County is $231,558 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Philadelphia County?
About $65,200 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Philadelphia County?
The median effective rate is 0.82% of home value a year (Census ACS 2024 5-year estimates).