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Bucks County, Pennsylvania · Decision Tools

Mortgage calculator.

Principal and interest, from price, down payment, rate, and term. Prefilled with the July 2026 average 30-year rate and the county's June 2026 median list price — both cited below, both editable.

Run the numbers → Add property taxes
Calculator What's excluded Today's rates Sources
Prefilled from live data Cited
30-year rate
July 20266.51%
SourcePMMS / FRED
Median list price
June 2026$639,900
SourceRealtor.com / FRED
National averages and county medians — starting points, not quotes. Every figure is dated and sourced.
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Operated by Bucks County LLC — not affiliated with county government or any municipality. Verify time-sensitive information with official sources.

Estimator

Monthly principal & interest, from four inputs.

Estimates only — principal and interest on a fixed-rate loan, before property taxes, insurance, PMI, and HOA dues. For the Bucks County tax layers, use the millage-based tax estimator with a property's county assessed value.

Default: Bucks County median list price, June 2026
 
Default: 30-year average, July 2026 (PMMS via FRED)
Fixed-rate amortization
The rest of the bill

What this payment does not include.

In Bucks County the P&I figure is routinely a few hundred dollars a month short of the real cost of ownership. The gap is mostly taxes and insurance:

Property taxes
Three separate bills

County, municipal, and school millage on the assessed value — school tax is usually the largest. Estimate all three from the county's published 2026 millage sheet.

Run the tax estimator →
Insurance & PMI
Required by the lender

Homeowners insurance is required; flood coverage may be too near the Delaware and its creeks. Under 20% down, budget for PMI until you reach ~20% equity.

Due-diligence guides →
Utilities & services
Town-by-town costs

Trash service alone ranges from municipal contracts to private haulers depending on the town — check the utilities lookup for the municipality you're considering.

Utilities by town →
Rate context

Where 6.51% comes from.

The prefilled rate is the July 2026 average of Freddie Mac's weekly Primary Mortgage Market Survey for a 30-year fixed conventional loan, as published by FRED (series MORTGAGE30US, retrieved 2026-07-23). It moves weekly, and individual quotes vary with credit score, points, loan type, and lender. The monthly market report tracks this series against Bucks County listing prices and inventory — the same data feeding this page.

Questions

How this calculator works.

What interest rate does this calculator use?

The rate field is prefilled with 6.51% — the average of Freddie Mac Primary Mortgage Market Survey weekly 30-year fixed readings for July 2026, published through FRED (series MORTGAGE30US, retrieved 2026-07-23). It is a national average for a 30-year conventional loan, not a quote; the rate you are offered depends on credit, points, loan type, and lender. Edit the field to match a real quote.

Does the payment include property taxes, insurance, or PMI?

No. This calculator returns principal and interest only. Bucks County property taxes are a separate, significant line — estimate them with the millage-based tax estimator on the taxes page, which uses the county's published 2026 millage sheet per municipality. Homeowners insurance, PMI (usually required below 20% down), and any HOA dues are also on top of the P&I figure.

How is the monthly payment computed?

The standard amortization formula: monthly payment = L × r(1+r)ⁿ ÷ ((1+r)ⁿ − 1), where L is the loan amount (price minus down payment), r is the annual rate divided by 12, and n is the number of monthly payments. Total interest is the sum of payments minus the loan amount. Results are rounded to whole dollars and are estimates, not a loan offer.

Why is the default home price $639,900?

That is the median listing price for Bucks County in June 2026, from Realtor.com residential listings data published through FRED (series MEDLISPRI42017, retrieved 2026-07-23). Half of active listings ask more, half less — it is a starting point, not a target. Change it to the price you are actually considering.

Sources

Every default, cited and dated.

Now add the tax layers.

A Bucks County payment isn't real until the county, municipal, and school bills are on it. Estimate all three from the assessed value, per municipality.

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