FHA Loan Calculator — Pennsylvania
On the typical Pennsylvania home ($290,000), 3.5% down leaves a $279,850 base loan. The 1.75% upfront premium ($4,897) is financed, for a $284,747 loan, and annual MIP of 0.55% adds $130 a month for the life of the loan. Pennsylvania FHA limits run $541,287–$1,209,750 by county.
Pennsylvania has the 12th-highest effective property tax rate of the 50 states at 1.26% — $1,015 more a year than the 0.91% state average on a $290,000 home. Homeowners insurance averages $1,529 a year, the 9th-lowest premium nationally and $1,191 less than the typical state.
Loan Parameters
Total Monthly Payment
$2,462
Principal & Interest + Taxes + Insurance
APR 7.761%
Total Interest
$399,316
Total Cost
$870,796
Advanced Parameters
FHA Mortgage Insurance Premium (MIP)
Annual MIP of 0.55% is billed monthly on the average balance of each loan year. With less than 10% down it lasts for the life of the loan; with 10% or more down it ends after 11 years. A 1.75% upfront premium is also added to the loan.
Loan Summary
Payoff Date
Sep 2056
Interest / Principal
1.40x
Mortgage Insurance Ends
Full term
50% Equity
Jul 2048
Amortization Schedule
| Period | Payment | Principal | Interest | MIP | Balance | Equity |
|---|---|---|---|---|---|---|
| Year 1 | $22,802 | $2,876 | $19,926 | $1,559 | $281,872 | $8,128 |
| Year 2 | $22,802 | $3,085 | $19,717 | $1,543 | $278,787 | $11,213 |
| Year 3 | $22,802 | $3,309 | $19,493 | $1,525 | $275,478 | $14,522 |
| Year 4 | $22,802 | $3,549 | $19,253 | $1,506 | $271,930 | $18,070 |
| Year 5 | $22,802 | $3,806 | $18,996 | $1,486 | $268,123 | $21,877 |
| Year 6 | $22,802 | $4,083 | $18,719 | $1,464 | $264,040 | $25,960 |
| Year 7 | $22,802 | $4,379 | $18,423 | $1,441 | $259,661 | $30,339 |
| Year 8 | $22,802 | $4,697 | $18,105 | $1,416 | $254,964 | $35,036 |
| Year 9 | $22,802 | $5,038 | $17,764 | $1,390 | $249,925 | $40,075 |
| Year 10 | $22,802 | $5,404 | $17,398 | $1,361 | $244,521 | $45,479 |
| Year 11 | $22,802 | $5,797 | $17,005 | $1,330 | $238,724 | $51,276 |
| Year 12 | $22,802 | $6,218 | $16,585 | $1,298 | $232,507 | $57,493 |
| Year 13 | $22,802 | $6,669 | $16,133 | $1,262 | $225,838 | $64,162 |
| Year 14 | $22,802 | $7,153 | $15,649 | $1,224 | $218,685 | $71,315 |
| Year 15 | $22,802 | $7,673 | $15,129 | $1,184 | $211,012 | $78,988 |
| Year 16 | $22,802 | $8,230 | $14,572 | $1,140 | $202,782 | $87,218 |
| Year 17 | $22,802 | $8,827 | $13,975 | $1,093 | $193,955 | $96,045 |
| Year 18 | $22,802 | $9,468 | $13,334 | $1,043 | $184,487 | $105,513 |
| Year 19 | $22,802 | $10,156 | $12,646 | $989 | $174,331 | $115,669 |
| Year 20 | $22,802 | $10,893 | $11,909 | $932 | $163,438 | $126,562 |
| Year 21 | $22,802 | $11,684 | $11,118 | $870 | $151,754 | $138,246 |
| Year 22 | $22,802 | $12,532 | $10,270 | $803 | $139,222 | $150,778 |
| Year 23 | $22,802 | $13,442 | $9,360 | $732 | $125,779 | $164,221 |
| Year 24 | $22,802 | $14,418 | $8,384 | $656 | $111,361 | $178,639 |
| Year 25 | $22,802 | $15,465 | $7,337 | $574 | $95,895 | $194,105 |
| Year 26 | $22,802 | $16,588 | $6,214 | $486 | $79,307 | $210,693 |
| Year 27 | $22,802 | $17,793 | $5,009 | $392 | $61,514 | $228,486 |
| Year 28 | $22,802 | $19,085 | $3,717 | $291 | $42,430 | $247,570 |
| Year 29 | $22,802 | $20,470 | $2,332 | $182 | $21,959 | $268,041 |
| Year 30 | $22,804 | $21,959 | $845 | $66 | $0 | $290,000 |
FHA Loan numbers for Pennsylvania
- Typical Pennsylvania home value
- $290,000
- 3.5% down ($10,150) · Zillow, August 31, 2026
- Loan amount
- $284,747
- Includes $4,897 financed UFMIP
- Estimated monthly payment
- $2,462
- APR 7.761%
- Pennsylvania property tax
- 1.26%
- $305/mo
- Homeowners insurance
- $1,529/yr
- $127/mo
- Upfront MIP (1.75%)
- $4,897
- Financed into the loan
- Annual MIP
- 0.55%
- $130/mo in year 1 · life of loan
- Pennsylvania FHA loan limit
- $541,287 – $1,209,750
- One-unit, by county
How much house can you afford in Pennsylvania with an fha loan?
Highest price where principal, interest, Pennsylvania property tax, insurance and FHA mortgage insurance (1.75% upfront premium financed, 0.55% annual MIP) stay within 28% of gross income —3.5% down, 30-year fixed at 7.03%. Other debts lower these numbers.
| Household income | Housing budget / mo | Max home price | Down payment | vs typical home |
|---|---|---|---|---|
| $40,000 | $933 | $100,000 | $3,500 | 34% |
| $50,000 | $1,167 | $129,000 | $4,515 | 44% |
| $60,000 | $1,400 | $158,000 | $5,530 | 54% |
| $75,000 | $1,750 | $201,000 | $7,035 | 69% |
| $100,000 | $2,333 | $273,000 | $9,555 | 94% |
| $125,000 | $2,917 | $346,000 | $12,110 | 119% |
| $150,000 | $3,500 | $418,000 | $14,630 | 144% |
FHA vs other loan types in Pennsylvania
$290,000 home, each program's typical minimum or default down payment, current average 30-year rate.
| Loan type | Down | Loan amount | Upfront fee | Monthly MI | Total / month | APR |
|---|---|---|---|---|---|---|
| Conventional | 10% · $29,000 | $261,000 | — | $157 PMI | $2,330 | 7.488% |
| FHA | 3.5% · $10,150 | $284,747 | UFMIP $4,897 | $130 MIP | $2,462 | 7.761% |
| VA | 0% · $0 | $296,235 | Funding fee $6,235 | $0 | $2,409 | 7.242% |
| JumboLoan is conforming (≤ $832,750) | 20% · $58,000 | $232,000 | — | $0 | $1,980 | 7.030% |
Pennsylvania high-cost counties (2026)
1 county has a one-unit conforming limit above the $832,750 baseline. Loans up to these amounts are conforming, not jumbo.
- Pike County$1,209,750
Frequently asked questions
What is the monthly payment on a $290,000 home with an fha loan in Pennsylvania?
Estimated $2,462 per month ($1,900 principal & interest, $305 property tax, $127 insurance, $130 FHA mortgage insurance) at 7.03% for 30 years, with 3.5% down. APR 7.761%.
What is the FHA loan limit in Pennsylvania for 2026?
Between $541,287 and $1,209,750 depending on the county for a one-unit home. $541,287 is the national FHA floor; counties with higher home prices get higher limits. Check your exact county on HUD's FHA mortgage limits lookup.
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Data sources & assumptions
- Freddie Mac Primary Mortgage Market Survey (PMMS) — Weekly average as of September 24, 2026
- Zillow Home Value Index (ZHVI), typical home value, all homes — Default home prices; typical value as of August 31, 2026
- FHFA 2026 Conforming Loan Limit Values (one-unit) — 2026 one-unit limits, 56 states & territories
- HUD FHA Mortgage Limits lookup — FHA floor $541,287; high-cost counties follow the conforming limit — confirm on HUD
- Effective statewide property tax rate (Tax Foundation, 2026 projections) — Statewide effective rate; county rates vary
- Average annual homeowners premium, $300K dwelling / $1K deductible (industry survey averages) — Statewide average premium
- HUD Mortgagee Letter 2023-05 (annual MIP schedule)
- HUD — FHA single family housing policy handbook 4000.1
Estimates exclude lender origination fees, points and closing costs. See our methodology for formulas and limitations.