Average Closing Costs in Pennsylvania (2026)
Pennsylvania Closing Cost Laws & Requirements
Pennsylvania has a Realty Transfer Tax of 2% of the sale price split between buyer and seller by convention. Philadelphia adds its own 3.278% transfer tax making the combined rate 4.278% — among the highest in the nation.
Transfer Tax
Pennsylvania state Realty Transfer Tax is 2% of sale price. Philadelphia adds 3.278% for a combined rate of 4.278%.
First-Time Buyer Programs in Pennsylvania
PHFA offers the Keystone Home Loan and HFA Preferred programs with competitive rates and down payment assistance.
Closing Costs by City in Pennsylvania
| City | Typical Range | Avg % of Price |
|---|---|---|
| Philadelphia | $4,500 – $11,250 | 2.0% |
| Pittsburgh | $4,300 – $10,750 | 2.0% |
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