Pennsylvania Mortgage Calculator
Estimate your monthly mortgage payment including taxes and insurance.
- Free
- No signup required
- Updated for 2026
Use our free Pennsylvania mortgage calculator to estimate your monthly payment including principal, interest, property taxes, and insurance. See a full amortization schedule and compare different loan terms. Rates vary by county; we use a statewide average for estimates.
Loan details
Rates vary by county. This is an estimated statewide average.
Monthly payment
$1,854.17
- Principal & interest$1,415.83
- Property tax$338.33
- Insurance$100.00
Loan amount: $224,000 · Total interest: $285,700
Monthly breakdown
Amortization schedule
| Month | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | $1,415.83 | $202.50 | $1,213.33 | $223,797.50 |
| 2 | $1,415.83 | $203.60 | $1,212.24 | $223,593.91 |
| 3 | $1,415.83 | $204.70 | $1,211.13 | $223,389.21 |
| 4 | $1,415.83 | $205.81 | $1,210.02 | $223,183.40 |
| 5 | $1,415.83 | $206.92 | $1,208.91 | $222,976.48 |
| 6 | $1,415.83 | $208.04 | $1,207.79 | $222,768.43 |
| 7 | $1,415.83 | $209.17 | $1,206.66 | $222,559.26 |
| 8 | $1,415.83 | $210.30 | $1,205.53 | $222,348.96 |
| 9 | $1,415.83 | $211.44 | $1,204.39 | $222,137.52 |
| 10 | $1,415.83 | $212.59 | $1,203.24 | $221,924.93 |
| 11 | $1,415.83 | $213.74 | $1,202.09 | $221,711.19 |
| 12 | $1,415.83 | $214.90 | $1,200.94 | $221,496.29 |
| 13 | $1,415.83 | $216.06 | $1,199.77 | $221,280.23 |
| 14 | $1,415.83 | $217.23 | $1,198.60 | $221,063.00 |
| 15 | $1,415.83 | $218.41 | $1,197.42 | $220,844.60 |
| 16 | $1,415.83 | $219.59 | $1,196.24 | $220,625.00 |
| 17 | $1,415.83 | $220.78 | $1,195.05 | $220,404.22 |
| 18 | $1,415.83 | $221.98 | $1,193.86 | $220,182.25 |
| 19 | $1,415.83 | $223.18 | $1,192.65 | $219,959.07 |
| 20 | $1,415.83 | $224.39 | $1,191.44 | $219,734.68 |
| 21 | $1,415.83 | $225.60 | $1,190.23 | $219,509.08 |
| 22 | $1,415.83 | $226.82 | $1,189.01 | $219,282.25 |
| 23 | $1,415.83 | $228.05 | $1,187.78 | $219,054.20 |
| 24 | $1,415.83 | $229.29 | $1,186.54 | $218,824.91 |
Showing rows 1–24 of 360
Frequently asked questions
Property tax rates in Pennsylvania vary by county. This calculator uses a statewide average as the default; you can change the rate in the form. Check your county assessor for exact rates.
Enter your home price, down payment, interest rate, and loan term. We pre-fill Pennsylvania's typical property tax rate. Add your annual insurance and any HOA fees. The calculator shows your total monthly payment and a full amortization schedule.
Principal and interest are calculated with the standard amortization formula. Property tax and insurance are estimates. This tool is for planning only and does not constitute financial advice.
Pennsylvania Mortgage Overview
Pennsylvania offers a range of housing markets from Philadelphia and Pittsburgh to smaller cities and rural areas. Property tax rates are moderate to high and vary by county and school district. Use this calculator to estimate your monthly mortgage payment in Pennsylvania.
Average Property Tax in Pennsylvania
Effective property tax rates in Pennsylvania typically fall between 1.3% and 1.6% of assessed value. Counties use different assessment methods, so actual bills can vary. Our calculator uses a statewide average; adjust the rate if you have a county-specific estimate.
Affordability and Loan Terms
Comparing 15-year and 30-year terms in the calculator shows how much you can save in total interest with a shorter loan. Down payment size also affects your monthly principal and interest and whether you may need PMI (private mortgage insurance).
Tips for Pennsylvania Buyers
- Homestead and other exemptions may reduce your taxable value; check with your county assessment office.
- Homeowners insurance is generally moderate; use an annual estimate that reflects your area.
- Add HOA or condo fees in the optional field if they apply.
- Use the amortization table to see how much of each payment goes to principal vs interest over time.
This calculator provides estimates only. For exact figures, consult a licensed lender and your county assessor.