Pennsylvania variant. This is a Pennsylvania-specific version of the Homeowners Insurance Estimator, using pre-defined local figures (tax rates, median home and income values, and typical regional costs). For the full formula, methodology, and FAQ, open the main Homeowners Insurance Estimator.
Homeowners insurance in Pennsylvania typically runs about 0.30%–0.40% of home value per year. On the $250,000 median home, that's roughly $875 annually.
What Pennsylvania homeowners insurance covers
Premiums fund dwelling coverage, personal property, liability, and loss of use. Pennsylvania's $250,000 median home value sets the baseline dwelling coverage and therefore the premium.
Local risk - wildfire, hurricane, hail, flood - drives big swings. Flood is separately insured. Use the estimator to refine the Pennsylvania average for your build cost and deductible.
About taxes and housing in Pennsylvania
Pennsylvania imposes a flat individual income tax, one of the lowest flat rates in the nation at about 3.07%.
Pennsylvania's effective property tax rate is near 1.5%, with affordable median home values around $250,000.
Pennsylvania's economy is anchored by healthcare, education, manufacturing, and energy, with major hubs in Philadelphia and Pittsburgh.
Worked example: $250,000 home
$250,000 × 0.35% ≈ $875/year ($73/month). Replacement-cost coverage, not market value, ultimately sets the premium - land value is excluded.
Quick reference
- State income tax: Flat 3.07% (lowest flat rate in US)
- State sales tax: 6% (plus 0.34% avg local)
- Median home value: $250,000
- Median household income: $73,170
- Effective property tax rate: 1.49%
- Avg auto insurance: $1,872/yr
Frequently Asked Questions
How much is homeowners insurance in Pennsylvania?
Roughly $875/year on the $250,000 median home, varying with local catastrophe risk.
Does homeowners insurance cover floods in Pennsylvania?
No - flood coverage is purchased separately through the NFIP or private insurers.