The asking price is only part of what you pay. Taxes, legal fees, surveys and mortgage costs can add thousands. See the full amount before you make an offer.
Costs on top of the price
US$13,006
Home buyer · Philadelphia ·
What do you want to work out?
Every tax and fee on top of the price, for where you live and where you're buying.
Costs on top of the price
Price
US$400,000Costs on top
US$13,006Cash needed if you buy outright
US$413,006Cash needed with a mortgage
US$95,726What could it be worth?
Based on official prices for the United States as a whole: 21 five-year periods since 2001. In the last 5 years prices there changed by 5.0% a year.
Green or red shows the gain or loss against everything you paid (price plus buying costs of US$13,006). In the typical scenario the buying costs are covered within a year. Before mortgage interest, running costs and selling costs.
These are scenarios based on past national prices, not a forecast or a price for any home. Prices can fall as well as rise, past changes don't predict future ones, and your area can differ a lot from the national average. Source: Bank for International Settlements (official national house prices), latest data 2026-Q2. See the data.
CFPB: closing costs explained · Texas Department of Insurance: basic title premium rates (1 March 2026) · NYS Department of Taxation: mortgage recording tax · City of Philadelphia: realty transfer tax · Allegheny County: realty transfer taxes · Delaware Division of Revenue: first-time buyer credit · NYS Tax: mansion and supplemental tax (TSB-M-19(1)R) · Freddie Mac: mortgage rates (PMMS)
Checked against official sources on 31 Oct 2026. How we work it out
Estimates only, to help you plan. Not tax, legal, mortgage, investment or financial advice. Rules and prices change, and your situation may differ: always confirm figures with a qualified solicitor, notary, tax adviser or lender before you commit. Partner links and adverts are labelled; they never change your result.
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Questions
Home buyer in Philadelphia: closing costs come to about US$3,400. All buying costs together come to about US$13,006, or 3.3% of the price. Change the price or buyer type above to see your own figure.
No. Foreign buyers pay the same purchase taxes as local buyers in the United States. Some rules on who can buy, or which rate applies, can still depend on where you live.
Most states have no limits. Some limit buyers from certain countries, mostly for farmland or land near military sites. When you sell, up to 15% of the price may be held back for tax (FIRPTA) if you're not US resident.
An ITIN or Social Security number for a mortgage and tax. A US closing attorney or title company.
Our figures last changed on 31 Oct 2026, and we last checked them against official sources on 31 Oct 2026. We check every country every week, and show a warning if a check is overdue.
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