Pennsylvania · Property Tax & Closing Costs
Pennsylvania property tax by county
Property tax rates, median home values, and closing cost estimates for all 67 counties in Pennsylvania. The average effective rate across the state is 1.26%, ranking Pennsylvania 10 of 51 (highest property taxes nationally). Data is sourced from the US Census Bureau American Community Survey 2024 5-year estimates.
Average rate
1.26%
across 67 counties
National rank
#10
of 51, highest rate first
Median home value
$202,200
county median in state
Rate range
0.81%–1.84%
Bedford County → Delaware County
Same home, different county
On a $202,200 home (the typical county median in Pennsylvania), the annual property tax bill depends heavily on where you buy:
Difference
$2,095/yr
$175/mo · $20,948 over 10 years
Estimate: purchase price × each county's effective rate. Actual bills depend on assessed value, local levies, and exemptions.
Lowest property tax rates in Pennsylvania
The five Pennsylvania counties with the lowest effective property tax rates, useful for buyers comparing total cost of ownership across the state.
| County | Rate |
|---|---|
| Bedford County | 0.81% |
| Philadelphia County | 0.82% |
| Huntingdon County | 0.94% |
| Clarion County | 0.97% |
| Somerset County | 0.98% |
Highest property tax rates in Pennsylvania
The five Pennsylvaniacounties with the highest effective property tax rates. High rates often reflect strong school district funding or municipal services rather than weakness, but they materially change a buyer's monthly carrying cost.
| County | Rate |
|---|---|
| Delaware County | 1.84% |
| Monroe County | 1.66% |
| Berks County | 1.65% |
| York County | 1.61% |
| Erie County | 1.60% |
Pennsylvania real estate transfer tax
Pennsylvania charges a combined transfer tax of about 2.00% of the purchase price. On a $202,200 home, that is roughly $4,044 in total.
| Paid by | Rate | On $202,200 |
|---|---|---|
| Buyer | 1.00% | $2,022 |
| Seller | 1.00% | $2,022 |
State Realty Transfer Tax 1% + local (municipality + school district) 1% = 2% total most localities, split 50/50 by custom. Philadelphia local rate is 3.278%, total ~4.278% (also customarily split). Allentown increased to total 2.5% effective January 1, 2026.
Pennsylvania is an attorney-closing state: expect a real estate attorney fee of roughly $600–$1,500 at closing.
Official Pennsylvania source → · Verified April 2026
Closing costs in Pennsylvania
Across Pennsylvania's 67 counties, buyer closing costs run $3,303 to $11,968 at each county's median home value with 20% down. Cash needed at closing, with closing costs, the down payment and the transfer tax, runs $21,972 to $113,944. Pick your county for your own figures.
Pennsylvania closing cost calculatorPennsylvania property tax exemptions
Ways buyers in Pennsylvania may reduce their annual property tax. These programs apply statewide; verify county specifics with your local assessor.
Homestead/Farmstead Exclusion (Act 50 / Act 1)
Reduces taxable assessed value of an owner-occupied primary residence (and farmstead buildings on 10+ acres) for school tax purposes. Exclusion amount varies by school district, funded largely by gaming revenue. Application due March 1.
View official source →Property Tax/Rent Rebate Program
Rebate up to $1,000 for Pennsylvanians 65+, widow(er)s 50+, or disabled adults 18+ with household income ≤$48,110. 2025-claim deadline June 30, 2026.
View official source →Disabled Veterans Real Estate Tax Exemption
Full real estate tax exemption on the primary residence for wartime-service veterans with 100% service-connected disability (or blind/paraplegic) demonstrating financial need.
View official source →Last verified April 2026. Exemption amounts and eligibility change frequently. Always confirm with your county assessor before claiming.
All 67 counties in Pennsylvania
Effective property tax rate, median home value, and median annual taxes paid for every county in Pennsylvania. Click a county to open its full property tax calculator and closing cost breakdown.
Source: US Census Bureau American Community Survey 2024 5-year estimates, tables B25077 (median home value) and B25103 (median real estate taxes paid). Effective rate is computed as median taxes paid divided by median home value at the county level and represents the typical owner-occupied home. Actual bills vary by purchase price, exemptions, and special assessments.