🏦 Mortgage Calculators Pennsylvania

How Much House Can I Afford in Pennsylvania?

Find out how much house you can afford in Pennsylvania with 1.58% property tax. Uses 28/36 rule with Pennsylvania-specific data.

Free — No Sign-up Verified Data Editorially Reviewed Updated Feb 2026

Pennsylvania Quick Facts

3.1% Income Tax Rate

1.58% Property Tax Rate

$67,587 Median Income

98.7 Cost of Living

How This Calculator Works

Calculation methodology and assumptions

Calculates home affordability in Pennsylvania using the 28/36 rule. Maximum 28% of gross monthly income for housing (PITI). Includes Pennsylvania's effective property tax rate of 1.58% and average home insurance of $1,380/year. Median home price in Pennsylvania: $265,000.

Key State Information

Pennsylvania housing market: Median home price $265,000 | Property tax rate 1.58% | Avg home insurance $1,380/yr | Median household income $67,587. Home prices are moderate relative to income.

Standard financial formulas Pre-filled with real state data Estimates only — not financial advice

Data Source

Census Bureau, Zillow, Tax Foundation

View Original Source | Verified 2024-12-01 | Updated annually

Frequently Asked Questions

How much house can I afford on the median income in Pennsylvania?

With Pennsylvania's median household income of $67,587 and a 10% down payment, you can typically afford a home priced around $236,555-$304,142 depending on debts and interest rates. The median home in Pennsylvania costs $265,000.

What is the property tax rate in Pennsylvania?

Pennsylvania's effective property tax rate is 1.58%. On a $265,000 home, that's approximately $4,187/year or $349/month.