Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between Pennsylvania and Texas. Updated for 2026.
Metric
Pennsylvania
Texas
Median Home Price
$280K
$310K
Property Tax Rate
1.36%
1.8%
Avg Closing Costs
$5K
$5K
Closing Cost %
1.7%
1.7%
Transfer Tax
2%
None
Homeowners Insurance
$1,400/yr
$3,800/yr
First-Time Buyer Program
PHFA Keystone Advantage
Up to $6,000 DPA
TDHCA My First Texas Home
Up to 5% DPA grant
Verdict
Pennsylvania wins 4 of 6 cost categories, making it the more affordable state for homebuyers overall. With a median home price of $280K and lower overall costs, Pennsylvania offers meaningful savings compared to Texas. Both states offer first-time buyer programs — explore the state pages for full details.