Pennsylvania vs Wisconsin: Mortgage & Housing Costs
Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between Pennsylvania and Wisconsin. Updated for 2026.
Metric
Pennsylvania
Wisconsin
Median Home Price
$280K
$280K
Property Tax Rate
1.36%
1.76%
Avg Closing Costs
$5K
$4K
Closing Cost %
1.7%
1.4%
Transfer Tax
2%
0.3%
Homeowners Insurance
$1,400/yr
$1,300/yr
First-Time Buyer Program
PHFA Keystone Advantage
Up to $6,000 DPA
WHEDA First-Time Advantage
Up to $3,050 Easy Close grant
Verdict
Wisconsin 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, Wisconsin offers meaningful savings compared to Pennsylvania. Both states offer first-time buyer programs — explore the state pages for full details.