Estimate closing costs for a home purchase or refinance in Pennsylvania. The average closing cost in Pennsylvania is $1,765 (0.47% of the loan amount) per LodeStar 2026.
Average closing costs in Pennsylvania are $1,765, which sits below the national average of $2,207. Key cost factors in the state include ~2% combined transfer tax, title search complexity.
The average closing cost in Pennsylvania is $1,765 (0.47% of the average loan amount of $330,622), according to LodeStar 2026 data. By comparison, the national average closing cost is $2,207 (0.67% of loan amount). Actual costs for your transaction will vary based on purchase price, down payment, lender fees, and local jurisdiction.
Yes, Pennsylvania has a real estate transfer tax with a state rate of 2% of the property's purchase price. Split 50/50; 1% state + 1% local; Philadelphia ~3.28% total. Local counties and municipalities may impose additional transfer taxes depending on the property location.
No, Pennsylvania does not legally require an attorney to be present at closing. Real estate closings and settlement services are typically handled by a title company, escrow agent, or settlement company, though buyers and sellers may choose to hire an attorney optionally for legal representation and document review.
No, Pennsylvania does not charge a percentage-based mortgage recording tax on the loan amount. However, standard county recording and filing fees (typically flat fees ranging from $50 to $250) still apply to record the deed and mortgage documents in public land records.
Average closing costs in Pennsylvania are $1,765, which is below the national average of $2,207. Key factors influencing closing costs in Pennsylvania compared to the national average include: ~2% combined transfer tax, title search complexity. Shopping multiple lenders for origination and underwriting fees remains the most effective way for borrowers to reduce their overall closing costs.
This calculator provides estimates based on LodeStar 2026 statewide average closing cost data and is intended for planning purposes only. Actual closing costs vary by lender, transaction type, loan amount, property location, and current market conditions. Your lender is required to provide an itemized Loan Estimate within 3 business days of application under RESPA. This tool is not a substitute for a formal Loan Estimate or legal advice.