Pennsylvania Mortgage Calculator
Calculate your monthly payment in Pennsylvania, with property tax included using the state's effective rate of 1.30%. See your full amortization schedule and analyze your loan structure.
Pick a state to use its property tax rate. With a keyboard, use the arrow keys and press Enter.
Estimated Monthly Payment
Estimates only. Does not include homeowners insurance, mortgage insurance (PMI), or HOA fees. Property tax uses the state's average effective rate and your actual bill may differ.
Yearly Amortization Schedule
| Year | Principal Paid | Interest Paid | Remaining Balance |
|---|---|---|---|
| 1 | $3,577 | $20,695 | $316,423 |
| 2 | $3,816 | $20,455 | $312,607 |
| 3 | $4,072 | $20,200 | $308,535 |
| 4 | $4,345 | $19,927 | $304,191 |
| 5 | $4,636 | $19,636 | $299,555 |
| 6 | $4,946 | $19,325 | $294,609 |
| 7 | $5,277 | $18,994 | $289,332 |
| 8 | $5,631 | $18,641 | $283,701 |
| 9 | $6,008 | $18,264 | $277,694 |
| 10 | $6,410 | $17,861 | $271,284 |
| 11 | $6,839 | $17,432 | $264,444 |
| 12 | $7,297 | $16,974 | $257,147 |
| 13 | $7,786 | $16,485 | $249,361 |
| 14 | $8,308 | $15,964 | $241,053 |
| 15 | $8,864 | $15,407 | $232,189 |
| 16 | $9,458 | $14,814 | $222,732 |
| 17 | $10,091 | $14,180 | $212,641 |
| 18 | $10,767 | $13,505 | $201,874 |
| 19 | $11,488 | $12,784 | $190,386 |
| 20 | $12,257 | $12,014 | $178,129 |
| 21 | $13,078 | $11,193 | $165,051 |
| 22 | $13,954 | $10,317 | $151,097 |
| 23 | $14,888 | $9,383 | $136,208 |
| 24 | $15,886 | $8,386 | $120,323 |
| 25 | $16,949 | $7,322 | $103,373 |
| 26 | $18,085 | $6,187 | $85,289 |
| 27 | $19,296 | $4,976 | $65,993 |
| 28 | $20,588 | $3,683 | $45,405 |
| 29 | $21,967 | $2,305 | $23,438 |
| 30 | $23,438 | $833 | $0 |
Property tax in Pennsylvania: the numbers
Few states tax homes more heavily than Pennsylvania does. Its effective property tax rate is 1.30%, a full 41% higher than the 0.92% national average, and it ranks 12th out of 50 when states are ordered from highest rate to lowest.
Looking at the median home in Pennsylvania ($254,500), the median annual property tax is $3,311. Divided by twelve, that is about $276 each month.
| Effective property tax rate | 1.30% |
|---|---|
| Median home value | $254,500 |
| Median annual property tax | $3,311 |
| Rank by rate (1 = highest of 50) | 12 |
| Difference vs 0.92% national average | 0.38 points above (41% above) |
What this means for your monthly payment
Two worked examples for Pennsylvania, using the figures above:
Example 1: the median home
$3,311 per year ÷ 12 = about $276 per month in property tax (median home value: $254,500).
Example 2: a $300,000 home
$300,000 × 1.30% ÷ 12 = about $325 per month, or $3,900 per year.
At the 0.92% national average rate, a $300,000 home would have about $2,760 in property tax per year. In Pennsylvania it is about $3,900, which is $1,140 more per year (about $95 more per month).
Compare with similar states
States ranked just above and just below Pennsylvania by effective property tax rate (1 = highest). States with the same rate are ordered by median annual tax.
Ranked just above (higher rate)
Ranked just below (lower rate)
- Kansas — 1.29% (rank 13)
- Michigan — 1.25% (rank 14)
- Rhode Island — 1.21% (rank 15)
- Alaska — 1.11% (rank 16)
- Massachusetts — 1.07% (rank 17)
Pennsylvania property tax FAQ
What is the property tax rate in Pennsylvania?
The effective property tax rate in Pennsylvania is 1.30%. That is 41% above the 0.92% national average, and the state ranks 12th out of 50 when states are ordered from highest rate to lowest.
How much is property tax on a $300,000 home in Pennsylvania?
At Pennsylvania's effective rate of 1.30%, property tax on a $300,000 home works out to about $3,900 per year, or about $325 per month. At the 0.92% national average, the same home would be about $2,760 per year, so Pennsylvania is about $1,140 more per year.
How much is property tax on the median home in Pennsylvania?
The median home value in Pennsylvania is $254,500, and the median annual property tax is $3,311, which is about $276 per month.
Does the property tax rate vary inside Pennsylvania?
Yes. Property taxes are set locally, so actual bills depend on your county, city, and exemptions. The 1.30% figure is a state-level estimate based on medians, not a rate that applies to every home.
Figures are estimates based on Census data and are not tax or financial advice. Actual bills depend on your local rates, assessed value and exemptions.
Source: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, as compiled by PropertyShark and PropertyTaxByState.