Mortgage payment estimates, closing cost breakdowns, and homebuying data for Harrisburg, Pennsylvania.
Pre-filled with Harrisburg median home price and Pennsylvania tax/insurance rates. Adjust for your property.
Estimated closing costs based on Pennsylvania rates and fees applied to Harrisburg prices.
The median home price in Harrisburg is $155,000, 45% below the Pennsylvania state median of $280,000. With a population of 50,099, Harrisburg is a smaller market where home prices tend to be more accessible than in many parts of Pennsylvania.
Property taxes in Pennsylvania average 1.36% annually. This moderate property tax rate means a $155,000 home in Harrisburg would carry roughly $176/month in property taxes. Homeowners insurance in Pennsylvania runs approximately $1,400 per year. This is within the normal range nationally.
Average rent in Harrisburg is $950/month. With a price-to-rent ratio under 15, buying may be more cost-effective than renting in Harrisburg over the long term.
Harrisburg offers strong affordability. With median prices under $250K, first-time buyers have realistic paths to homeownership, especially combined with Pennsylvania's PHFA Keystone Advantage program.