A mortgage calculator that knows what state the house is in: principal and interest, plus Pennsylvania property tax at the state's effective rate (1.12% of value, ACS 2025 medians) and a closing-cost estimate in the CFPB's typical 2–5% range.
Loan: $233,920. Insurance estimated at 0.2% of value per year inside the monthly total.
P&I $1,479 · tax $273 · insurance $49
| Principal & interest / month | $1,479 |
| Property tax / year (1.12% effective) | $3,275 |
| Closing costs (one-time, estimate) | $7,018 |
| Total interest over the term | $298,352 |
The Census Bureau's ACS 2025 medians put Pennsylvania's typical bill at $3,288 on a $292,400 home — an effective 1.12%. Effective rates blend every local levy into one comparable number; your parcel's assessed value and local rates set the real bill.
Source: U.S. Census Bureau, ACS 2025 1-year estimates (tables B25077/B25103).
The CFPB puts typical buyer closing costs at 2–5% of the loan (origination, appraisal, title, prepaid escrows). The default here is 3% and the field is yours to change — no official schedule exists, and this page will not pretend one does. Pennsylvania transfer/recording charges sit inside that range for most purchases.
Source: Consumer Financial Protection Bureau, closing-cost guidance.
Property tax. At 1.12%, Pennsylvania adds $273 a month on the median home — in the highest-tax states that rivals a full percentage point of interest rate.
No — it is the state's median effective rate applied to your price. Assessments, exemptions (homestead and others) and local rates move real bills both ways; the county assessor's figure governs.
Below 20% down, lenders usually add private mortgage insurance (roughly 0.3–1.5% of the loan per year) until you reach ~20% equity. It is not in the default total — add it to the insurance line mentally if it applies.
Pennsylvania Mortgage Calculator with the costs other calculators skip: on the Pennsylvania median home ($292,400, ACS 2025), $1,800 a month — $1,479 principal & interest, $273 property tax at the state's 1.12% effective rate, plus closing costs of about $7,018.
100% free · No sign-up · No daily limits · No watermarks · Processed in your browser — files never leave your device
A mortgage calculator for Pennsylvania that includes Pennsylvania property tax and a closing-cost estimate alongside principal and interest.
On the median Pennsylvania home ($292,400): $1,800 a month, of which $273 is property tax.
The state's median tax bill is $3,288 a year (ACS 2025).
An effective 1.12% of value at the ACS medians — $3,288 a year on the median home.
No — they are one-time costs at closing, shown separately.
What is missing, broken, or could be better on this tool? Tell us — we read every suggestion.
✅ Thanks — your suggestion has been received. Suggestions like yours shape what we build next.