📍 Zip Code 17101 · Harrisburg, PA · Dauphin County

Mortgage Costs in 17101
Harrisburg, PA

Real 2026 data · Property tax 1.5% · 7.1% mortgage rate
$185,000
Median Home Price
$1,303
All-In Monthly (20% down)
$55,840
Salary Needed
Stretch
Affordability on Avg Income

Full Cost Breakdown — 17101 (Harrisburg, PA)

Cost Item
20% Down ($37,000)
10% Down ($18,500)
Principal & Interest
$995/mo
$1,119/mo
Property Tax (1.5%)
$231/mo
$231/mo
Home Insurance (~0.5%)
$77/mo
$77/mo
PMI (if <20% down)
$83/mo
Total All-In
$1,303/mo
$1,511/mo

What Salary Do You Need to Buy in 17101?

Using the standard 28% gross income housing rule, you need approximately $55,840/year to comfortably afford the median home in Harrisburg, PA with 20% down at today's 7.1% rate.

The average household income in Dauphin County is approximately $55,000/year — which means buying the median home here is stretch for the average family.

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Property Tax in 17101 (Dauphin County)

Dauphin County has a property tax rate of approximately 1.5% — above the national average of 1.1%. On a $185,000 home, this equals $231/month or $2,775/year in property taxes.

Property taxes can often be appealed if your assessment seems high. Ownwell specializes in property tax appeals — they only charge if they save you money.

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Potential savings: $416/year. No win = no fee.
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Will a Bank Approve You in Harrisburg?

Approval depends on your specific profile — credit score, income, existing debts, and down payment. The Bank Rejection Engine shows exactly how 5 different lender types would score your application for a home in 17101.

Check My Approval Odds → Paste a Harrisburg Listing →