United States · Pennsylvania

Pennsylvania mortgage calculator

Estimate your monthly payment in Pennsylvania — principal & interest, property tax, and insurance — using the live national average rate and Pennsylvania's estimated ~1.58% effective property tax rate. Adjust any figure below.

Affording a home in Pennsylvania

Stretched

Median home price: $266,000
Income needed: $77,000; to qualify (28% rule, 20% down)
Typical household income: $69,000
Income gap: +$8,000

A median Pennsylvania home costs $266k and needs $8k more annual income than the typical household earns.

Data as of 2026-06-30. Sources: Zillow ZHVI, U.S. Census ACS, Splitero. Median is a statewide figure — expensive cities and more affordable rural areas vary widely.

A single median income can qualify in Pennsylvania — here's what that looks like

The typical Pennsylvania household earns $69,000/year. To buy a median-priced home here, lenders generally want to see $77,000/year — which a single median income can cover. Pennsylvania is one of the more accessible markets in the country right now.

The roles and income paths that commonly reach it in Pennsylvania are listed below — some single high-earning roles, some two incomes combined.

Roles and income paths that commonly meet the income in Pennsylvania

Nurse
Teacher
Government worker
Accountant

Pay varies widely by employer, experience, and city — these are paths that often (not always) reach the income needed, not a guarantee for any individual. Entries like “+ partner income” mean two incomes combined.

First-time buyer programs available in Pennsylvania

PHFA Keystone Home Loan
HOMEstead down payment assistance
K-FIT Loan Program

Programs and their terms change — verify current availability and eligibility with the official state housing agency before relying on any of these.

What makes Pennsylvania legally different for homebuyers

Pennsylvania's judicial foreclosure provides homeowners with a required 'Act 6' notice 30 days before the lender can file suit, plus a mediation opportunity in many counties. Pennsylvania also has significant variation in transfer tax by county — from 1% to 3%+ total.

If you buy here

Research the specific transfer tax rate for your target county in Pennsylvania — it varies significantly and is split between state, county, and local municipality. In some areas it totals 3–4% of the purchase price, a meaningful closing cost.

Foreclosure: judicial, ~9 mo
Post-sale redemption: None
Anti-deficiency protection: No

General overview only — laws change and individual situations vary. Consult a real estate attorney for advice specific to your purchase. (Verified 2026-06-30.)

A clean, printable one-page summary — free, no account needed.

Loan details

Understanding your numbers before you sign.

A mortgage is likely the largest financial commitment of your life. The Mortgage Ledger was built so you can explore what that commitment actually looks like — payment by payment, line by line — before you're sitting across from a lender.

Rates sourced from FRED (Federal Reserve Bank of St. Louis). Estimates only — not a loan offer.

Enter loan details to see your payment.

Save & share

Save scenarios to compare them later — they stay in this browser.

Compare scenarios

Save a scenario above, then compare it side by side with your current inputs here.

Mortgage rate trend

Past year, weekly national average

Loading rate history…

Phase 2 preview of the new country-first structure — not yet indexed. The live site is running unchanged.