Saving to buy a home in Pennsylvania? Here’s how much down payment you need

In Pennsylvania, the typical 20% down payment for a home increased by $23,817 from 2016 to 2026, now requiring $57,277.40. At the median household income, it takes 7 years of saving 10% of income to afford this down payment, up 13 months from a decade ago. Minimum wage earners face significant affordability challenges, needing 38 years to save and working excessive hours to afford rent. Home prices rose 5.6% from May 2025 to May 2026.