Mortgage Calculator & Closing Costs: Williamsport, PA
Mortgage payment estimates, closing cost breakdowns, and homebuying data for Williamsport, Pennsylvania.
Median Home Price
$165K
Population
28K
Avg Monthly Rent
$880
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 Williamsport.
Williamsport vs Pennsylvania Median
The median home price in Williamsport is $165,000, which is 41% below the Pennsylvania state median of $280,000.
Mortgage Calculator — Williamsport, PA
Pre-filled with Williamsport median home price and Pennsylvania tax/insurance rates. Adjust for your property.
Three down payment scenarios for a $165K home using Pennsylvania's 1.36% tax rate and $1,400/yr insurance.
5% Down
$1,386/mo
Down: $8,250
Loan: $157K
P&I: $991
Tax: $187
Insurance: $117
PMI: $91
10% Down
$1,329/mo
Down: $16,500
Loan: $149K
P&I: $939
Tax: $187
Insurance: $117
PMI: $87
20% Down (No PMI)
$1,138/mo
Down: $33,000
Loan: $132K
P&I: $834
Tax: $187
Insurance: $117
Income needed (28% rule): $49K/year with 20% down, $57K/year with 10% down.
Rent vs Buy in Williamsport
Rent
$880/mo
vs
Buy (10% down)
$1,329/mo
Price-to-rent ratio: 15.6 — A ratio between 15-20 means the rent vs buy decision in Williamsport depends heavily on your timeline. If you plan to stay 5+ years, buying likely wins. For shorter stays, renting preserves flexibility.
The median home price in Williamsport is $165,000, 41% below the Pennsylvania state median of $280,000. With a population of 28,120, Williamsport 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 $165,000 home in Williamsport would carry roughly $187/month in property taxes. Homeowners insurance in Pennsylvania runs approximately $1,400 per year. This is within the normal range nationally.
Average rent in Williamsport is $880/month. The price-to-rent ratio in Williamsport is moderate, meaning the buy-vs-rent decision depends heavily on how long you plan to stay.
Williamsport 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 Williamsport.