Mortgage on a $350K house in Pennsylvania
$2,387 a month with 20% down — $1,884 principal and interest plus $328 property tax and $175 insurance.
Pennsylvania's typical property tax is 1.12% of the home's value a year (U.S. average 0.9%), which adds $328 a month on a $350K home. The typical home in Pennsylvania is worth $287,078, so $350K is 22% above the typical price.
$350K home in Pennsylvania: payment by down payment
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $70,000 | $280,000 | $1,884 | $0 | $503 | $2,387 | $102,300 |
| 10% down | $35,000 | $315,000 | $2,119 | $131 | $503 | $2,753 | $118,000 |
| 5% down | $17,500 | $332,500 | $2,237 | $139 | $503 | $2,878 | $123,400 |
| 3.5% down (FHA) | $12,250 | $343,661 | $2,312 | $155 | $503 | $2,970 | $127,300 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.12% 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.
Where in Pennsylvania does $350K buy a typical home?
In these counties the typical home value is within 15% of $350K:
| County | Typical home | Tax rate | Total / month |
|---|---|---|---|
| Centre County | $351,727 | 1.05% | $2,364 |
| Cumberland County | $341,579 | 1.17% | $2,400 |
| Delaware County | $362,572 | 1.84% | $2,596 |
| Lehigh County | $363,024 | 1.55% | $2,510 |
| Adams County | $331,644 | 1.33% | $2,445 |
| Butler County | $331,467 | 1.01% | $2,353 |
| Northampton County | $374,198 | 1.52% | $2,503 |
| Lebanon County | $319,829 | 1.37% | $2,458 |
| Lancaster County | $386,389 | 1.32% | $2,444 |
| Monroe County | $310,974 | 1.66% | $2,543 |
| Berks County | $310,918 | 1.65% | $2,539 |
| York County | $309,136 | 1.61% | $2,529 |
59 of 67 Pennsylvania counties tracked by Zillow have a typical home value at or below $350K. See all Pennsylvania home prices.
Other prices in Pennsylvania
Frequently asked questions
What is the mortgage on a $350K house in Pennsylvania?
About $2,387 a month with 20% down at 7.11%: $1,884 principal and interest, $328 property tax and $175 insurance.
How much do I need to make to buy a $350K house in Pennsylvania?
About $102,300 a year, so that the payment stays under 28% of your gross income.
What is the property tax on a $350K house in Pennsylvania?
At Pennsylvania's typical effective rate of 1.12%, about $3,936 a year. Rates vary by county and city — see the county pages.