Pennsylvania Mortgage Rates & Home Prices (2026)
Median price: $275,000 · Avg. rate: 6.85%
Pennsylvania Market Overview
$275,000
Median Home Price
6.85%
Avg. 30-Yr Rate
1.58%
Property Tax Rate
69.0%
Homeownership Rate
Pennsylvania offers diverse housing markets from expensive Philadelphia suburbs to very affordable central regions. PHFA provides up to $12,000 in DPA through the Keystone Advantage program. Property taxes vary widely by county.
Estimated Monthly Payment
Median home in Pennsylvania (20% down, 30-yr fixed)
$1,918/mo
Principal & Interest$1,442
Property Taxes$362
Home Insurance (est.)$115
Total Monthly (PITI)$1,918
Based on a $275,000 home with 20% down ($220,000 loan) at 6.85%. Does not include PMI, HOA, or other fees.
First-Time Buyer Programs in Pennsylvania
- PHFA Keystone Home Loan
- Keystone Advantage Assistance
- HOMEstead DPA
Contact your state's Housing Finance Agency for current program availability and requirements.
Rate Comparison: PA Rates
30-Year Fixed6.85%
15-Year Fixed6.08%
5/1 ARM (est.)6.10%
FHA 30-Year6.70%
VA 30-Year6.60%
Rates are estimates based on state averages and may vary by lender and borrower qualifications.
Frequently Asked Questions
Key Stats: PA
FHA Loan Limit$472,030
Median Income$73,170
Cost Index0.98x