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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
$2,007
P&I Payment$1,562
Taxes & Ins$270
Utilities$175
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Mortgage Details

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

Used with your down payment to fetch a live, scenario-specific rate.

Local Area Costs

Monthly$2,007

Monthly Breakdown

Principal & Interest
$1,562
Property Taxes
$195
Homeowners Ins.
$76
Utilities
$175

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$325,611

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: $2,094/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 $2,094/yr in energy utilities. That adds approximately $445 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.