Harrisburg, PA home prices
Typical home $306,578 · +2.6% in a year · income needed $92,100
The Harrisburg, PA metro area ranks 304 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +2.6% in a year and +31.2% over five years. With 20% down at 7.11%, the typical home costs about $2,149 a month including 1.35% property tax (Dauphin County rate).
Mortgage on the typical Harrisburg home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $61,316 | $245,262 | $1,650 | $0 | $499 | $2,149 | $92,100 |
| 10% down | $30,658 | $275,920 | $1,856 | $115 | $499 | $2,470 | $105,900 |
| 5% down | $15,329 | $291,249 | $1,959 | $121 | $499 | $2,580 | $110,600 |
| 3.5% down (FHA) | $10,730 | $301,025 | $2,025 | $136 | $499 | $2,660 | $114,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.35% 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.
Counties in the Harrisburg area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Dauphin County, PA | $277,230 | +2.8% | 1.35% |
| Cumberland County, PA | $341,579 | +2.2% | 1.17% |
| Perry County, PA | $292,119 | +4.1% | 1.21% |
What can you afford in Pennsylvania on your salary? · Pennsylvania home prices · Salaries in Pennsylvania
Frequently asked questions
How much is a house in Harrisburg?
The typical home in the Harrisburg, PA metro area is worth $306,578 (Zillow, September 2026).
What salary do you need to buy a house in Harrisburg?
About $92,100 a year for the typical home with 20% down at 7.11%.