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Pennsylvania Home Insurance Estimator โ€” Updated 2026

State abbreviation: PA

Homeowners insurance in Pennsylvania averages $1,440/year, depending on home value, location (wildfire/flood zones), age, and coverage limits. For a home valued at $305,000, you should budget 0.47% of its value annually for insurance. Insurance costs here are near or below the national average.

Pennsylvania Financial Data (2026)

State Tax Rate
3.07%
Property Tax Rate
1.65%
Median Home Price
$305,000
Avg Insurance Cost
$1,440/year
Cost of Living Index
100
State Abbreviation
PA