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Mortgage Calculator &
Closing Costs: Allentown, PA

Mortgage payment estimates, closing cost breakdowns, and homebuying data for Allentown, Pennsylvania.

Median Home Price
$245K
Population
126K
Avg Monthly Rent
$1,280
Property Tax Rate
1.36%
Allentown vs Pennsylvania Median
The median home price in Allentown is $245,000, which is 13% below the Pennsylvania state median of $280,000.

Mortgage Calculator — Allentown, PA

Pre-filled with Allentown median home price and Pennsylvania tax/insurance rates. Adjust for your property.

$
$49,000
%
%
years
PA avg
%
$
Monthly Payment (PITI)
$1,634
Principal + Interest + Tax + Insurance + PMI
Principal & Interest
$1,239
per month
Taxes & Insurance
$395
per month
Total Interest Paid
$250K
over 30 years
Total Loan Cost
$446K
all payments
Payment Breakdown
Loan Amount$196,000
Principal & Interest$1,239
Property Taxes$278
Homeowners Insurance$117
Total Monthly PITI$1,634

Closing Costs — Allentown, PA

Estimated closing costs based on Pennsylvania rates and fees applied to Allentown prices.

$
%
Pennsylvania: Avg closing costs 1.7% of price. Transfer tax: 2%.
Estimated Closing Costs
$13,652
5.6% of purchase price
Lender Fees
$2,189
origination, underwriting
Third-Party
$2,675
appraisal, title, inspection
Government Fees
$4,900
transfer taxes, recording
Prepaids + Escrow
$3,888
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$1,764
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$1,525
Recording Fee$150
Transfer Tax$4,900
Prepaid Taxes (3 mo)$833
Prepaid Insurance (12 mo)$1,400
Prepaid Interest (15 days)$589
Escrow Reserves$1,066
Total Closing Costs$13,652

Buying a Home in Allentown, Pennsylvania

The median home price in Allentown is $245,000, 13% below the Pennsylvania state median of $280,000. With a population of 126,092, Allentown is a mid-size city 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 $245,000 home in Allentown would carry roughly $278/month in property taxes. Homeowners insurance in Pennsylvania runs approximately $1,400 per year. This is within the normal range nationally.

Average rent in Allentown is $1,280/month. The price-to-rent ratio in Allentown is moderate, meaning the buy-vs-rent decision depends heavily on how long you plan to stay.

Allentown 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.

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