Pennsylvania Mortgage Calculator
See your monthly payment on a Pennsylvania home, including property tax at the state average of 1.35%.
Monthly payment in Pennsylvania
With 20% down, a 30-year loan at 6.5% and Pennsylvania's effective property tax of 1.35%:
| Home price | Principal and interest | Property tax | Insurance (est.) | Total per month |
|---|---|---|---|---|
| $250,000 | $1,264 | $281 | $150 | $1,695 |
| $300,000 | $1,517 | $338 | $150 | $2,004 |
| $400,000 | $2,023 | $450 | $150 | $2,623 |
| $500,000 | $2,528 | $563 | $150 | $3,241 |
| $600,000 | $3,034 | $675 | $150 | $3,859 |
The 6.5% rate is an example. Current rates change weekly; see Freddie Mac for the latest average.
Property tax in Pennsylvania
The effective property tax rate in Pennsylvania is about 1.35% of a home's value each year. On a $400,000 home that is roughly $5,400 a year or $450 a month. Actual bills depend on county, school district and exemptions.
How Pennsylvania property tax compares
The average effective property tax rate across states is about 0.99%. Pennsylvania ranks number 39 of 51 from lowest to highest. States with the closest rates:
| State | Effective rate | Monthly tax on $400,000 |
|---|---|---|
| Maine | 1.19% | $397 |
| Rhode Island | 1.23% | $410 |
| Kansas | 1.3% | $433 |
| Pennsylvania | 1.35% | $450 |
| Ohio | 1.36% | $453 |
| Michigan | 1.38% | $460 |
| New York | 1.4% | $467 |
15-year or 30-year loan?
| Loan on $320,000 at 6.5% | Monthly principal and interest | Total interest |
|---|---|---|
| 30-year fixed | $2,023 | $408,142 |
| 15-year fixed | $2,788 | $181,758 |
A 15-year loan costs more each month but saves a large amount of interest. Property tax and insurance in Pennsylvania come on top of either payment.
Frequently asked questions
How much is a $400,000 mortgage payment in Pennsylvania?
With 20% down at 6.5% for 30 years the payment is about $2,623 a month including estimated tax and insurance.
Sources and method
Page last updated November 2026. See our editorial policy and disclaimer.