The calculator below is pre-filled with Philadelphia 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 42101. Full source list on /methodology.
All-in cost first, always — pre-filled with Philadelphia County tax and insurance figures. Estimate only, not a loan quote or pre-approval.
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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? →Fewer listings, fewer buyers, and sellers who have a reason to be on the market in December. Here is what a winter discount is actually worth on a $400,000 house — in monthly payment, in lifetime interest, and in the seller concessions a quiet market makes possible — and the three ways a winter purchase goes wrong.
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.
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).