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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%
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.

$
$33,000
%
%
years
PA avg
%
$
Monthly Payment (PITI)
$1,138
Principal + Interest + Tax + Insurance + PMI
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Principal & Interest
$834
per month
Taxes & Insurance
$304
per month
Total Interest Paid
$168K
over 30 years
Total Loan Cost
$300K
all payments
Payment Breakdown
Loan Amount$132,000
Principal & Interest$834
Property Taxes$187
Homeowners Insurance$117
Total Monthly PITI$1,138

Closing Costs — Williamsport, PA

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

$
%
Pennsylvania: Avg closing costs 1.7% of price. Transfer tax: 2%.
Estimated Closing Costs
$10,340
6.3% of purchase price
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Lender Fees
$1,613
origination, underwriting
Third-Party
$2,275
appraisal, title, inspection
Government Fees
$3,300
transfer taxes, recording
Prepaids + Escrow
$3,152
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$1,188
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$1,125
Recording Fee$150
Transfer Tax$3,300
Prepaid Taxes (3 mo)$561
Prepaid Insurance (12 mo)$1,400
Prepaid Interest (15 days)$397
Escrow Reserves$794
Total Closing Costs$10,340

Buying a Home in Williamsport, Pennsylvania

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.

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