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Mortgage Calculator &
Closing Costs: Pittsburgh, PA

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

Median Home Price
$235K
Population
303K
Avg Monthly Rent
$1,280
Property Tax Rate
1.36%
Pittsburgh vs Pennsylvania Median
The median home price in Pittsburgh is $235,000, which is 16% below the Pennsylvania state median of $280,000.

Mortgage Calculator — Pittsburgh, PA

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

$
$47,000
%
%
years
PA avg
%
$
Monthly Payment (PITI)
$1,572
Principal + Interest + Tax + Insurance + PMI
Principal & Interest
$1,188
per month
Taxes & Insurance
$383
per month
Total Interest Paid
$240K
over 30 years
Total Loan Cost
$428K
all payments
Payment Breakdown
Loan Amount$188,000
Principal & Interest$1,188
Property Taxes$266
Homeowners Insurance$117
Total Monthly PITI$1,572

Closing Costs — Pittsburgh, PA

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

$
%
Pennsylvania: Avg closing costs 1.7% of price. Transfer tax: 2%.
Estimated Closing Costs
$13,238
5.6% of purchase price
Lender Fees
$2,117
origination, underwriting
Third-Party
$2,625
appraisal, title, inspection
Government Fees
$4,700
transfer taxes, recording
Prepaids + Escrow
$3,796
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$1,692
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$1,475
Recording Fee$150
Transfer Tax$4,700
Prepaid Taxes (3 mo)$799
Prepaid Insurance (12 mo)$1,400
Prepaid Interest (15 days)$565
Escrow Reserves$1,032
Total Closing Costs$13,238

Buying a Home in Pittsburgh, Pennsylvania

The median home price in Pittsburgh is $235,000, 16% below the Pennsylvania state median of $280,000. With a population of 302,971, Pittsburgh 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 $235,000 home in Pittsburgh would carry roughly $266/month in property taxes. Homeowners insurance in Pennsylvania runs approximately $1,400 per year. This is within the normal range nationally.

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

Pittsburgh 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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Compare total costs of renting vs buying in Pittsburgh.
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