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Philadelphia County Mortgage Calculator

Estimate your true cost of homeownership in Philadelphia County with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$2,055
P&I Payment$1,585
Taxes & Ins$270
Utilities$200

Mortgage Details

$296,102
Local Median: $296,102
$59,220 (20%)
%

Local Area Costs

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Monthly$2,055

Monthly Breakdown

Principal & Interest
$1,585
Property Taxes
$195
Homeowners Ins.
$76
Est. Utilities
$200

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$333,624

Local Housing Facts for Philadelphia County

  • ·Median home value: $296,102 (adjusted for current market conditions)
  • ·Est. property taxes: $2,334/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $906/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,400/yr — sourced from DOE LEAD survey data
  • ·Flood insurance: optional — toggled off by default, estimate based on FEMA risk profile

Frequently Asked Questions

How much are property taxes in Philadelphia County?

Based on the local median home value, estimated real estate property taxes in Philadelphia County are around $2,334 per year.

What is the average home price in Philadelphia County?

The median home value in Philadelphia County is currently estimated at $296,102.

How much does homeowners insurance cost in Philadelphia County?

For a median priced home, homeowners insurance in Philadelphia County averages around $906 annually.

What is the true total cost of owning a home in Philadelphia County?

True homeownership costs go beyond principal and interest. In Philadelphia County, a typical homeowner with a median-priced home of $296,102 can expect to pay roughly $2,334/yr in property taxes, $906/yr for homeowners insurance, and $2,400/yr in energy utilities. That adds approximately $470 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.