Taxes & Insurance in Downingtown
Downingtown applies Pennsylvania's flat state income tax plus a real, precisely-confirmed 50/50 combined 1% local EIT, alongside a genuinely elevated property tax rate and a real, significant flood-insurance consideration.
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Learn morePA's flat state tax plus a real, precisely-confirmed, simple 50/50 combined local EIT
Pennsylvania's flat 3.07% state income tax applies with no exemption threshold. Downingtown Borough and the Downingtown Area School District split a combined 1% Earned Income Tax exactly 50/50, collected by Keystone Collections Group.
A genuinely elevated property tax rate
Downingtown's own effective property tax rate ran approximately 3.54% per one 2026 aggregator, with a median annual bill of $6,322 -- well above the national median bill of $2,400. The school district's own current millage ran 33.0268 mills.
A real, significant flood-insurance consideration
Given Downingtown's own documented Brandywine Creek flood-risk history, confirm current flood-zone status and separate NFIP or private flood coverage directly for any target property -- standard homeowners policies exclude flood damage.
Key takeaways
- Downingtown's combined approximate marginal income tax rate runs 4.07% (3.07% state + 1.0% combined local EIT, exactly 50/50 split).
- Downingtown's effective property tax rate (approximately 3.54%) and median annual bill ($6,322) both run genuinely elevated.
- Confirm current flood-zone status and separate flood coverage directly, given Downingtown's real, documented flood-risk history.
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