Pennsylvania Mortgage Calculator

Estimate your Pennsylvania mortgage payment using the state's 1.43% average effective property tax rate, $1,100/yr average home insurance, and Pennsylvania's $260,000 median home price (Zillow ZHVI), with current 30-year fixed rates from Freddie Mac plus PMI and HOA. Pennsylvania school districts levy a significant share of property taxes. Compare scenarios, view a full amortization schedule, and analyze whether it's better to rent or buy.

Median Home Price$260,000
Property Tax1.43%
Insurance / yr$1,100
StatePA
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↗ 6.83% avg · Apr 2026 Freddie Mac
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Summary

Your
Breakdown

Monthly Payment
 
P&I
Tax
Ins
Loan Amount
Down Payment
Total Interest
Total Cost
Extra Payment Impact
Interest Saved
Time Saved
New Payoff
Total Saved
Principal
Interest
Down Pmt