Mortgage Calculator & Closing Costs: Pottsville, PA
Mortgage payment estimates, closing cost breakdowns, and homebuying data for Pottsville, Pennsylvania.
Median Home Price
$125K
Population
14K
Avg Monthly Rent
$720
Property Tax Rate
1.36% *
* Property tax shown is the Pennsylvania state average effective rate. Actual rates vary by county, city, and school district — check with your local assessor for exact rates in Pottsville.
Pottsville vs Pennsylvania Median
The median home price in Pottsville is $125,000, which is 55% below the Pennsylvania state median of $280,000.
Mortgage Calculator — Pottsville, PA
Pre-filled with Pottsville median home price and Pennsylvania tax/insurance rates. Adjust for your property.
Three down payment scenarios for a $125K home using Pennsylvania's 1.36% tax rate and $1,400/yr insurance.
5% Down
$1,078/mo
Down: $6,250
Loan: $119K
P&I: $751
Tax: $142
Insurance: $117
PMI: $69
10% Down
$1,035/mo
Down: $12,500
Loan: $113K
P&I: $711
Tax: $142
Insurance: $117
PMI: $66
20% Down (No PMI)
$890/mo
Down: $25,000
Loan: $100K
P&I: $632
Tax: $142
Insurance: $117
Income needed (28% rule): $38K/year with 20% down, $44K/year with 10% down.
Rent vs Buy in Pottsville
Rent
$720/mo
vs
Buy (10% down)
$1,035/mo
Price-to-rent ratio: 14.5 — With a ratio under 15, buying in Pottsville is likely more cost-effective than renting if you plan to stay 3+ years. The monthly cost of buying is $315 more than renting, but you build equity with every payment.
The median home price in Pottsville is $125,000, 55% below the Pennsylvania state median of $280,000. With a population of 13,594, Pottsville 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 $125,000 home in Pottsville would carry roughly $142/month in property taxes. Homeowners insurance in Pennsylvania runs approximately $1,400 per year. This is within the normal range nationally.
Average rent in Pottsville is $720/month. With a price-to-rent ratio under 15, buying may be more cost-effective than renting in Pottsville over the long term.
Pottsville 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.
Run a Rent vs Buy analysis
Compare total costs of renting vs buying in Pottsville.