The calculator below is pre-filled with Allegheny County's own property tax rate and insurance average (expand "More options" to see or edit them) — not just Pennsylvania's statewide figures.
County data last updated 2026-08-19. FIPS 42003. Full source list on /methodology.
All-in cost first, always — pre-filled with Allegheny County tax and insurance figures. Estimate only, not a loan quote or pre-approval.
Not your state? Find your calculator here.
Tell us your income and savings instead, and we'll work out the max home price and a qualification signal for Pennsylvania.
How much house can I afford in Pennsylvania? →Pennsylvania's transfer tax is advertised at 1%, but local add-ons usually double it. Here's what closing on a $340,000 Pennsylvania home actually costs.
Private mortgage insurance explained in plain English — what it costs, why it exists, the exact federal rules for cancelling it, and how to work out the month your PMI is scheduled to end.
The operational guide to buying property with a partner, friend, sibling, or parent — credit and DTI mechanics, title vesting, a clause-by-clause co-ownership agreement, and how the exit actually works.
A month-by-month plan for the year before you buy: what to do in each phase, what never to touch, how to document every dollar, and how to survive closing day.
This is the state-only rate — almost all PA municipalities/school districts add their own local realty transfer tax on top (commonly ~1% more, making ~2% combined a common rule of thumb, though it's not set by statute). Philadelphia is the biggest exception: a 3.578% city tax on top of the 1% state tax, for a combined 4.578% total.
Pennsylvania Housing Finance Agency's primary 30-year fixed-rate first mortgage for first-time homebuyers statewide (non-first-time buyers can qualify in targeted areas or as a discharged veteran); subject to income and purchase-price limits.
0%-interest second mortgage for down payment and/or closing costs, up to the lesser of 4% of the purchase price or $6,000, repaid over 10 years; must be paired with a PHFA first mortgage, minimum 660 credit score.
Federal tax credit worth 20%-50% of annual mortgage interest paid (capped at $2,000/year) for the life of the loan, for qualifying first-time buyers (first-time requirement waived for veterans and buyers in targeted areas).