Pennsylvania mortgage calculator with property tax and insurance
Median home price in Pennsylvania: $280,000. Effective property tax 1.49%/yr, homeowners insurance ≈ $1,300/yr. Rates updated Oct 8, 2026.
Payment by loan term
| Term | P&I | All-in | Total interest |
|---|---|---|---|
| 10 yr | $2,659 | $3,115 | $95,070 |
| 15 yr | $2,077 | $2,533 | $149,771 |
| 20 yr | $1,805 | $2,261 | $209,087 |
| 30 yr | $1,566 | $2,022 | $339,847 |
Adjust the numbers
Monthly breakdown
Total interest $339,847 · total PMI $0 · paid off in 30 years
Compare loan terms
| Term | Monthly (P&I) | Total monthly | Total interest |
|---|---|---|---|
| 10 years | $2,659 | $3,115 | $95,070 |
| 15 years | $2,077 | $2,533 | $149,771 |
| 20 years | $1,805 | $2,261 | $209,087 |
| 30 years | $1,566 | $2,022 | $339,847 |
Amortization schedule
| Year | Interest | Principal | Balance |
|---|---|---|---|
| 1 | $16,730 | $2,065 | $221,935 |
| 2 | $16,570 | $2,225 | $219,710 |
| 3 | $16,397 | $2,398 | $217,312 |
| 4 | $16,211 | $2,584 | $214,728 |
| 5 | $16,010 | $2,785 | $211,943 |
| 6 | $15,794 | $3,001 | $208,942 |
| 7 | $15,561 | $3,234 | $205,708 |
| 8 | $15,310 | $3,485 | $202,223 |
| 9 | $15,039 | $3,755 | $198,468 |
| 10 | $14,748 | $4,047 | $194,421 |
| 11 | $14,434 | $4,361 | $190,060 |
| 12 | $14,095 | $4,700 | $185,360 |
| 13 | $13,730 | $5,065 | $180,295 |
| 14 | $13,337 | $5,458 | $174,837 |
| 15 | $12,913 | $5,882 | $168,956 |
| 16 | $12,457 | $6,338 | $162,618 |
| 17 | $11,965 | $6,830 | $155,787 |
| 18 | $11,434 | $7,360 | $148,427 |
| 19 | $10,863 | $7,932 | $140,495 |
| 20 | $10,247 | $8,548 | $131,948 |
| 21 | $9,584 | $9,211 | $122,736 |
| 22 | $8,869 | $9,926 | $112,810 |
| 23 | $8,098 | $10,697 | $102,113 |
| 24 | $7,268 | $11,527 | $90,586 |
| 25 | $6,373 | $12,422 | $78,164 |
| 26 | $5,408 | $13,387 | $64,777 |
| 27 | $4,369 | $14,426 | $50,351 |
| 28 | $3,249 | $15,546 | $34,806 |
| 29 | $2,042 | $16,753 | $18,053 |
| 30 | $742 | $18,053 | $0 |
Showing 360 payments. Schedule assumes a fixed rate and constant home value for PMI cancellation.
Down payment scenarios in Pennsylvania
| Down | Cash needed | PMI | Monthly |
|---|---|---|---|
| 3% | $8,400 | $124 | $2,480 |
| 5% | $14,000 | $122 | $2,438 |
| 10% | $28,000 | $116 | $2,334 |
| 15% | $42,000 | $109 | $2,229 |
| 20% | $56,000 | $0 | $2,022 |
| 25% | $70,000 | $0 | $1,924 |
Around the Pennsylvania median price
| Home price | P&I | All-in monthly |
|---|---|---|
| $210,000 | $1,175 | $1,544 |
| $280,000 | $1,566 | $2,022 |
| $350,000 | $1,958 | $2,501 |
| $420,000 | $2,349 | $2,979 |
Detailed payment examples
FAQ
What is the average property tax rate in Pennsylvania?
Pennsylvania's effective property tax rate is about 1.49% of home value per year, which is $348 per month on a $280,000 home. Rates vary by county and by exemptions, so treat this as a planning estimate.
How much is homeowners insurance in Pennsylvania?
A typical Pennsylvania policy runs around $1,300 per year ($108 per month). Coastal and hail-prone areas can be significantly higher.
Is a $280,000 home affordable in Pennsylvania?
At 7.50% with 20% down, the estimated all-in payment is $2,022 per month. Using the 28% rule that implies a household income near $87,000 per year before other debts.