Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between Georgia and Pennsylvania. Updated for 2026.
Metric
Georgia
Pennsylvania
Median Home Price
$340K
$280K
Property Tax Rate
0.92%
1.36%
Avg Closing Costs
$5K
$5K
Closing Cost %
1.5%
1.7%
Transfer Tax
0.1%
2%
Homeowners Insurance
$2,200/yr
$1,400/yr
First-Time Buyer Program
Georgia Dream Homeownership
Up to $10,000 DPA
PHFA Keystone Advantage
Up to $6,000 DPA
Verdict
Georgia 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.