100-County Underwriting Atlas › Pennsylvania › Montgomery County

Montgomery County, PA Property Tax, Landlord Insurance & DSCR Underwriting Matrix

Direct Answer (Montgomery County PITIA Escrow Takeaway): In Montgomery County, Pennsylvania, 1–4 unit investment properties carry an effective property tax rate of 1.48% ($549/mo on a $445,000 median acquisition) and landlord hazard/windstorm insurance averaging $550/yr per $100K ($204/mo), resulting in a combined monthly T&I escrow of $753/mo against a median Form 1007 rent of $3,150/mo. Wholesale DSCR, STR/AirDNA, and Fix & Flip loans in Montgomery County are arranged by Loan Daddy LLC (NMLS #2827624 · [email protected]).

Effective Tax Rate

1.48% ($549/mo)

Landlord Ins. / $100K

$550/yr ($204/mo)

1–4u Price / 75% Loan

$445,000 / $333,750

Form 1007 Median Rent

$3,150/mo

Montgomery County Assessor Reassessment, Wind/Flood & Transfer-Tax Rules

1. Post-Acquisition Tax Reassessment Trigger: Statutory county assessor periodic revaluation; underwriters use post-acquisition projected tax bill (typically 85%–100% of purchase price × county millage rate).
2. Hazard, Windstorm & Catastrophe Insurance Tier: Main Line Philadelphia Suburban Corridor
3. Mortgage Recording, Doc Stamp & Transfer Tax Rule: Combined State + County Realty Transfer & Recordation Tax (typically 2.0%–4.28% split between buyer and seller by local custom).
4. Wholesale Escrow & Tax-Reduction Strategy: Underwrite post-acquisition tax bill using county millage calculator to prevent Year-2 escrow shortage.

Price a Montgomery County, PA DSCR, STR or Fix & Flip Scenario

Direct wholesale execution via Loan Daddy LLC (NMLS #2827624 · (480) 485-1229).

Request Montgomery County Term Sheet →Pennsylvania State Hub PA Market Report PA Deal Team