Pennsylvania home prices and mortgage costs
Typical home value $287,078 · +2.2% in a year · property tax 1.12%
Pennsylvania ranks 37th most expensive of 51 states and D.C. Home values changed +2.2% over the past year and +22.9% over five years. Buying the typical home with 20% down costs about $1,958 a month at 7.11%, which needs a household income of about $83,900.
Cost of the typical Pennsylvania home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $57,416 | $229,663 | $1,545 | $0 | $413 | $1,958 | $83,900 |
| 10% down | $28,708 | $258,371 | $1,738 | $108 | $413 | $2,258 | $96,800 |
| 5% down | $14,354 | $272,724 | $1,835 | $114 | $413 | $2,361 | $101,200 |
| 3.5% down (FHA) | $10,048 | $281,879 | $1,896 | $127 | $413 | $2,436 | $104,400 |
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.
Check a specific budget: how much house you can afford in Pennsylvania by salary · payment on a $300K home in Pennsylvania
Home prices by county in Pennsylvania
| County | Typical home | 1-yr change | Tax rate | Payment / month | Income needed |
|---|---|---|---|---|---|
| Chester County | $579,006 | +2.9% | 1.3% | $4,032 | $172,800 |
| Bucks County | $523,860 | +3.3% | 1.31% | $3,652 | $156,500 |
| Montgomery County | $492,975 | +2.6% | 1.35% | $3,452 | $148,000 |
| Lancaster County | $386,389 | +4.3% | 1.32% | $2,698 | $115,600 |
| Northampton County | $374,198 | +3.5% | 1.52% | $2,676 | $114,700 |
| Lehigh County | $363,024 | +3.8% | 1.55% | $2,604 | $111,600 |
| Delaware County | $362,572 | +2.6% | 1.84% | $2,690 | $115,300 |
| Centre County | $351,727 | +2.4% | 1.05% | $2,376 | $101,800 |
| Cumberland County | $341,579 | +2.2% | 1.17% | $2,343 | $100,400 |
| Adams County | $331,644 | +3.0% | 1.33% | $2,317 | $99,300 |
| Butler County | $331,467 | -1.8% | 1.01% | $2,228 | $95,500 |
| Lebanon County | $319,829 | +5.1% | 1.37% | $2,246 | $96,200 |
| Monroe County | $310,974 | +1.7% | 1.66% | $2,260 | $96,800 |
| Berks County | $310,918 | +3.5% | 1.65% | $2,256 | $96,700 |
| York County | $309,136 | +3.4% | 1.61% | $2,233 | $95,700 |
| Wayne County | $307,695 | +3.6% | 1.26% | $2,132 | $91,400 |
| Pike County | $305,224 | +3.5% | 1.3% | $2,126 | $91,100 |
| Union County | $295,020 | +4.9% | 1.14% | $2,016 | $86,400 |
| Perry County | $292,119 | +4.1% | 1.21% | $2,013 | $86,300 |
| Franklin County | $289,562 | +1.6% | 1.1% | $1,968 | $84,300 |
| Dauphin County | $277,230 | +2.8% | 1.35% | $1,943 | $83,300 |
| Montour County | $276,877 | +4.3% | 1.01% | $1,862 | $79,800 |
| Carbon County | $265,940 | +0.6% | 1.46% | $1,888 | $80,900 |
| Susquehanna County | $243,887 | +5.2% | 1.09% | $1,657 | $71,000 |
| Columbia County | $243,148 | +4.9% | 1.11% | $1,655 | $70,900 |
| Lackawanna County | $242,972 | +2.0% | 1.49% | $1,731 | $74,200 |
| Wyoming County | $240,208 | +1.9% | 1.31% | $1,675 | $71,800 |
| Snyder County | $240,138 | +4.9% | 1.11% | $1,634 | $70,000 |
| Fulton County | $239,744 | +6.9% | 1.02% | $1,613 | $69,100 |
| Juniata County | $236,854 | +2.7% | 0.99% | $1,588 | $68,100 |
| Allegheny County | $236,739 | -0.1% | 1.52% | $1,692 | $72,500 |
| Washington County | $235,765 | +2.3% | 1.09% | $1,600 | $68,600 |
| Lycoming County | $235,755 | +3.4% | 1.31% | $1,644 | $70,500 |
| Philadelphia County | $231,558 | +0.0% | 0.82% | $1,521 | $65,200 |
| Luzerne County | $227,445 | +3.3% | 1.45% | $1,613 | $69,100 |
| Erie County | $222,044 | +4.7% | 1.6% | $1,602 | $68,700 |
| Tioga County | $218,488 | +1.9% | 1.15% | $1,494 | $64,000 |
| Sullivan County | $214,269 | +5.8% | 1.02% | $1,443 | $61,800 |
| Westmoreland County | $213,431 | +0.3% | 1.23% | $1,474 | $63,200 |
| Bedford County | $212,134 | +4.3% | 0.81% | $1,390 | $59,600 |
| Beaver County | $208,836 | +3.4% | 1.42% | $1,475 | $63,200 |
| Bradford County | $199,574 | +4.2% | 1.09% | $1,355 | $58,100 |
| Clinton County | $198,515 | +1.7% | 1.16% | $1,360 | $58,300 |
| Mifflin County | $197,401 | +4.8% | 1.45% | $1,399 | $60,000 |
| Huntingdon County | $181,292 | +2.7% | 0.94% | $1,208 | $51,800 |
| Somerset County | $180,049 | +5.0% | 0.98% | $1,206 | $51,700 |
| Schuylkill County | $179,851 | +4.2% | 1.4% | $1,267 | $54,300 |
| Mercer County | $179,580 | +0.5% | 1.18% | $1,233 | $52,800 |
| Crawford County | $175,975 | +7.0% | 1.35% | $1,233 | $52,800 |
| Northumberland County | $175,473 | +1.4% | 1.1% | $1,194 | $51,200 |
| Blair County | $175,427 | +6.4% | 1.07% | $1,188 | $50,900 |
| Indiana County | $172,619 | +8.2% | 1.5% | $1,232 | $52,800 |
| Lawrence County | $164,572 | +4.2% | 1.34% | $1,151 | $49,300 |
| Armstrong County | $161,968 | -0.5% | 1.37% | $1,138 | $48,800 |
| Potter County | $160,272 | +4.6% | 1.21% | $1,105 | $47,300 |
| Greene County | $154,905 | -3.5% | 1.27% | $1,075 | $46,100 |
| Clearfield County | $144,352 | +4.3% | 1.09% | $981 | $42,000 |
| Fayette County | $143,795 | -1.6% | 1.12% | $980 | $42,000 |
| Clarion County | $140,548 | -1.8% | 0.97% | $940 | $40,300 |
| Warren County | $139,074 | +2.1% | 1.32% | $971 | $41,600 |
| Elk County | $137,822 | +15.8% | 1.27% | $957 | $41,000 |
| Forest County | $130,593 | +7.2% | 0.99% | $876 | $37,600 |
| Venango County | $127,794 | -0.4% | 1.27% | $887 | $38,000 |
| Cambria County | $124,304 | +3.5% | 1.23% | $859 | $36,800 |
| Jefferson County | $121,510 | -0.7% | 1% | $816 | $35,000 |
| McKean County | $109,724 | -3.2% | 1.59% | $791 | $33,900 |
| Cameron County | $109,199 | -7.9% | 1.59% | $787 | $33,700 |
Metro areas in Pennsylvania
Frequently asked questions
What is the average home price in Pennsylvania?
The typical home in Pennsylvania is worth $287,078 according to the Zillow Home Value Index for September 2026.
How much income do you need to buy a house in Pennsylvania?
About $83,900 a year to buy the typical $287,078 home with 20% down at 7.11%, keeping housing under 28% of income.
What is the property tax rate in Pennsylvania?
The typical effective rate is 1.12% of the home's value a year (median taxes paid divided by median home value, Census ACS 2025).