Colorado vs Pennsylvania: Mortgage & Housing Costs
Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between Colorado and Pennsylvania. Updated for 2026.
Metric
Colorado
Pennsylvania
Median Home Price
$520K
$280K
Property Tax Rate
0.51%
1.36%
Avg Closing Costs
$7K
$5K
Closing Cost %
1.4%
1.7%
Transfer Tax
0.01%
2%
Homeowners Insurance
$3,200/yr
$1,400/yr
First-Time Buyer Program
CHFA Down Payment Assistance
Up to $25,000 second mortgage
PHFA Keystone Advantage
Up to $6,000 DPA
Verdict
Colorado and Pennsylvania are evenly matched across major housing cost categories. Your decision may come down to other factors like job market, climate, or lifestyle preferences. Use the calculators below to model your specific scenario.