Average mortgage payment in Franklin County, PA (2026)
The average mortgage payment in Franklin County on a median-priced home (~$260,000) is roughly $2,232/month — assuming 10% down at a 6.85% 30-year fixed rate and Pennsylvania's 1.49% effective property tax rate (full PITI).
To carry that payment under the standard 28% front-end DTI rule, you'd need an annual household income near $95,663. County population is roughly 155,932.
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How Franklin County compares to Pennsylvania
The typical home in Franklin County is right at the statewide median of $260,000 in Pennsylvania. Property tax is set at the state's effective rate of 1.49% — local millage and special assessments vary by county, but this is the right starting point.
The payment above bakes in principal, interest, property tax, and homeowners insurance — it does not include HOA dues or mortgage insurance (PMI). PMI kicks in automatically when down payment is below 20% on a conventional loan. For a full breakdown, run your own numbers in the main calculator.
Frequently asked questions
What is the average mortgage payment in Franklin County?+
On a median Franklin County home (~$260,000) at a 6.85% 30-year fixed rate with 10% down, all-in PITI runs about $2,232/month, including ~$323 in property tax.
What income do I need to buy a home in Franklin County?+
Using the 28% front-end DTI rule, you'd need roughly $95,663 in annual gross household income to comfortably carry the median Franklin County home.
How does Franklin County compare to the rest of Pennsylvania?+
Franklin County's median home ($260,000) is in line with the Pennsylvania median of $260,000.
Does this include HOA fees or PMI?+
No. HOA dues vary too widely to assume a default — add them directly to the payment. PMI applies when you put less than 20% down on a conventional loan; the main calculator factors it in automatically.