Pennsylvania vs Virginia: Mortgage & Housing Costs
Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between Pennsylvania and Virginia. Updated for 2026.
Metric
Pennsylvania
Virginia
Median Home Price
$280K
$400K
Property Tax Rate
1.36%
0.82%
Avg Closing Costs
$5K
$6K
Closing Cost %
1.7%
1.5%
Transfer Tax
2%
0.25%
Homeowners Insurance
$1,400/yr
$1,700/yr
First-Time Buyer Program
PHFA Keystone Advantage
Up to $6,000 DPA
Virginia Housing DPA Grant
Up to 2.5% grant
Verdict
Pennsylvania and Virginia 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.