Reading, PA home prices
Typical home $310,920 · +3.5% in a year · income needed $96,700
The Reading, PA metro area ranks 300 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +3.5% in a year and +36.8% over five years. With 20% down at 7.11%, the typical home costs about $2,256 a month including 1.65% property tax (Berks County rate).
Mortgage on the typical Reading home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $62,184 | $248,736 | $1,673 | $0 | $582 | $2,256 | $96,700 |
| 10% down | $31,092 | $279,828 | $1,882 | $117 | $582 | $2,581 | $110,600 |
| 5% down | $15,546 | $295,374 | $1,987 | $123 | $582 | $2,692 | $115,400 |
| 3.5% down (FHA) | $10,882 | $305,288 | $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.
Counties in the Reading area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Berks County, PA | $310,918 | +3.5% | 1.65% |
What can you afford in Pennsylvania on your salary? · Pennsylvania home prices · Salaries in Pennsylvania
Frequently asked questions
How much is a house in Reading?
The typical home in the Reading, PA metro area is worth $310,920 (Zillow, September 2026).
What salary do you need to buy a house in Reading?
About $96,700 a year for the typical home with 20% down at 7.11%.