County data
Chester County, PA Mortgage Calculator
Where is the home?
Enter a ZIP code to use that area's property tax rate and loan limit.
Try an example
Illustrative scenarios to see how price and down payment change the payment. Tap one to load it.
Estimated monthly payment
$0/month
& interest
- Principal & interest$0
- Property tax$0
- Home insurance$0
- HOA dues$0
- Mortgage insurance (PMI)$0
- Total interest over the loan
- $0
- Paid off
Compare loan terms
| Term | Monthly | Total interest |
|---|
Same price, down payment and rate. Real rates are usually lower for shorter terms.
Loan balance over time
| Year | Principal | Interest | Balance |
|---|
Monthly payment
$0 /mo
Chester County at a glance
Median home value
$485,600
Property tax rate
1.34%
Pennsylvania: 1.43% · U.S.: 1.05%
Median income
$127,208
Conforming loan limit
$832,750
Typical monthly cost of the median home
Principal and interest
$2,658
$388,480 loan at 7.28%, 30 years
Property tax
$542
1.34% of $485,600 a year
Together
$3,200
before insurance, HOA and PMI
Other large counties in Pennsylvania
| County | Median home | Tax rate | Payment |
|---|---|---|---|
| Philadelphia County | $243,100 | 0.91% | $1,515 |
| Allegheny County | $227,600 | 1.64% | $1,557 |
| Montgomery County | $436,700 | 1.37% | $2,889 |
| Bucks County | $445,700 | 1.32% | $2,930 |
| Delaware County | $332,200 | 1.91% | $2,347 |
| Lancaster County | $301,100 | 1.34% | $1,984 |
| York County | $248,600 | 1.66% | $1,705 |
| Berks County | $257,300 | 1.72% | $1,777 |
Frequently asked questions
What is the property tax rate in Chester County, PA?
Homeowners with a mortgage in Chester County pay a median of $6,494 a year in property tax on a median home value of $485,600, an effective rate of 1.34%. That is below the Pennsylvania figure of 1.43% and above the U.S. median of 1.05%. It ranks 30 of 67 counties in Pennsylvania for effective rate, highest first. Your own bill depends on the assessed value, the taxing districts and any exemptions.
How much is the monthly payment on a median-priced home in Chester County?
On a $485,600 home with 20% down and a 30-year loan at 7.28% (the Freddie Mac weekly average), principal and interest is about $2,658 a month and property tax about $542, so roughly $3,200 before homeowners insurance, HOA dues and mortgage insurance. For comparison, the median household income here is $127,208 a year, so that payment is about 30% of it.
What is the conforming loan limit in Chester County?
The 2026 one-unit conforming loan limit for Chester County is $832,750. A conventional loan above that amount is a jumbo loan, which can have different rates and down payment requirements.
Where do these numbers come from?
Home values, property taxes and incomes are U.S. Census Bureau American Community Survey 5-year medians for the county. Loan limits come from the Federal Housing Finance Agency and rates from Freddie Mac. The methodology page lists each source and when it was retrieved.
Data and method. Home values, property taxes and incomes: U.S. Census Bureau, ACS 2024 5-year (2020-2024) (medians, with sampling error; property tax is for owners with a mortgage). Loan limits: FHFA. Rates: Freddie Mac weekly average as of October 1, 2026. Retrieved October 1, 2026. Payment figures assume 20% down, a 30-year fixed loan, and exclude insurance, HOA dues and mortgage insurance. Estimates only; see the methodology.