Closing Costs for Pennsylvania (2026)
Pennsylvania (PA) Key Facts
Average Closing Cost Rate
3.5%
Estimated Closing Costs ( Median Home)
$9,625
Attorney Required at Closing
Yes
Median Home Price
$275,000
Transfer Tax
Varies by county
How This Calculator Works in Pennsylvania
This closing costs calculator estimates the total amount you will need at closing when buying a home in Pennsylvania. It uses the state's average closing cost rate of 3.5% as a baseline and lets you adjust for your specific purchase price and situation. Understanding these costs in advance helps you budget effectively and avoid surprises at the closing table.
Pennsylvania Overview
Closing costs in Pennsylvania average about 3.5% of the home's purchase price—roughly $9,625 on the median home of $275,000. Pennsylvania requires an attorney at closing, adding legal oversight and cost to the process. Transfer taxes in Pennsylvania are: 2% total (1% state + 1% local), varies by municipality; Philadelphia charges additional taxes.
How Pennsylvania Compares
Pennsylvania's average closing cost rate of 3.5% is in the middle range nationally. Neighboring New York averages 5%, while New Jersey averages 3.8%. States with attorney requirements and higher transfer taxes tend to have elevated closing costs overall.
| State | Top Rate | Notes |
|---|---|---|
| New York | 5% | Average closing costs are 5% of the home price, approximately $21,000 on the median home. Attorney required at closing. |
| New Jersey | 3.8% | Average closing costs are 3.8% of the home price, approximately $17,860 on the median home. Attorney required at closing. |
| Ohio | 3% | Average closing costs are 3% of the home price, approximately $6,600 on the median home. Attorney required at closing. |
Closing costs in Pennsylvania average 3.5% of the home price, or about $9,625 on the median-priced home of $275,000. The national average for closing costs is typically 2-5% of the purchase price. Pennsylvania falls in the mid-range nationally.
Tips for Pennsylvania Residents
- 1Budget approximately 3.5% of the purchase price for closing costs in Pennsylvania, which comes to about $9,625 on the median home of $275,000. This is in addition to your down payment and moving expenses.
- 2Pennsylvania requires an attorney at closing, adding legal oversight and cost to the process. Attorney fees typically run $500-$2,000 in Pennsylvania depending on the complexity of the deal.
- 3Transfer taxes in Pennsylvania: 2% total (1% state + 1% local), varies by municipality; Philadelphia charges additional taxes. Make sure you know who is customarily responsible (buyer or seller) in your county, as local practice varies.
- 4Shop at least three lenders for your Loan Estimate in Pennsylvania. Origination fees, discount points, and third-party charges can differ by $1,000 or more between lenders on the same loan amount.
- 5Ask about first-time homebuyer programs in Pennsylvania that may offer closing cost assistance, grants, or below-market interest rates. Many state and county housing finance agencies provide such programs.
Frequently Asked Questions
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