Pennsylvania Probate Laws in 2026: Your Complete Guide to What Happens to Your Estate
Most people never think about what happens to their stuff when they’re gone. But Pennsylvania has specific laws about this. And honestly, they matter more than you might think. Let’s break down what probate actually is, why it exists, and what you need to know.
When someone passes away in Pennsylvania, their property and money don’t automatically go to their family. That’s where probate comes in. Probate is the legal process that distributes a person’s stuff to the right people. Sounds straightforward, right? Trust me, understanding this stuff now can save your family major headaches later.
What Is Probate, Anyway?
Think of probate like a referee for your estate. When you die, probate is the official court process that makes sure your debts get paid and your belongings go to the people you wanted to have them.
Here’s how it works. First, someone needs to prove that your will is real and legal. Then the court appoints an executor. That person is basically in charge of collecting your stuff, paying bills, and distributing what’s left. The whole thing happens under court supervision, which sounds formal, but it’s actually there to protect everyone involved.
Why does this process exist? Because without it, there would be chaos. People would argue about who gets what. Creditors wouldn’t get paid. The system keeps everything fair and organized.
The Types of Wills in Pennsylvania
Pennsylvania recognizes several types of wills. Most people use what’s called a formal will. This is a document that’s in writing and signed by you in front of two witnesses. Pretty straightforward.
But Pennsylvania also allows something called a holographic will. That’s a handwritten will that you sign yourself. No witnesses needed. This one’s interesting because it’s completely in your handwriting. The court has to verify that it’s actually your handwriting though. Not sure if this applies to you? Let me be clear: if you’re thinking about writing a handwritten will, you’ll want to be extremely careful. Courts can reject these if they have any doubts.
There’s also something called a nuncupative will. This is a will that someone speaks out loud, usually when they’re dying. Pennsylvania doesn’t really recognize these anymore, so don’t count on this one. Honestly, if you want to be safe, stick with a written will signed in front of witnesses.
Basic Probate Requirements in Pennsylvania
Let’s talk about what you actually need to do to start probate in Pennsylvania. First, you’ll file the will with the court. You’ll also file a petition for admission of the will. Sound boring? Maybe. But it’s actually pretty important.
Next, the court will schedule a hearing. This is where anyone who might object can speak up. If nobody objects and everything looks good, the court admits the will. That means it’s officially valid.
Once the will is admitted, the executor gets their formal power. They can now handle the estate. They can collect money that’s owed. They can pay debts. They can distribute the property. The executor basically has legal authority to act on behalf of the person who died.
Who Gets to Be the Executor?
Here’s where things get personal. The executor is the person you name in your will. Pennsylvania law says this person needs to be either a resident of Pennsylvania or a close relative of the person who died. If they’re not a Pennsylvania resident, they might need to post a bond. That’s basically insurance money that protects the estate if the executor messes up.
You don’t have to name a family member. You can name a friend. You can even name a bank or a lawyer. But whoever you pick, they need to be someone you really trust. They’re going to be making important financial decisions.
What if you don’t name anyone? Or what if the person you name can’t or won’t do it? Pennsylvania has a pecking order for who becomes executor. First, it goes to whoever you picked in your will. If they can’t do it, it goes to your spouse. Then your adult children. Then your parents. Then your siblings. And so on. The court will keep going down the line until it finds someone willing to do the job.
The Cost of Probate in Pennsylvania
Okay, pause. Read this carefully. Probate costs money. Not a tiny amount either.
Court filing fees in Pennsylvania vary by county. But you’re usually looking at fees that start around $200 and can go higher depending on what county you’re in. Then there are attorney fees. If you hire a lawyer to help with probate, you’re paying for their time. Some lawyers charge hourly. Others charge a percentage of the estate.
There are also executor fees. The person handling the estate can get paid for their work. Pennsylvania law says the executor is “reasonably entitled to receive” payment. The court decides what’s reasonable based on how much work they did and how complicated the estate is.
Let me be honest: you could easily spend thousands of dollars on probate fees. For a small estate, that can eat up a huge chunk of what people inherit. This is actually why some people try to avoid probate altogether.
How Long Does Probate Take in Pennsylvania?
This is the question everyone asks: how long is this going to take?
The short answer? It depends. It could take as little as three months. Or it could take over a year. I’ve seen both.
Here’s why it varies. First, there’s something called a waiting period. Before the court can officially distribute anything, it has to give creditors nine months to file claims against the estate. That’s the law. So right there, you’re looking at nine months minimum.
But that’s just the starting point. If the estate is complicated, it takes longer. If people contest the will, it takes way longer. If there’s significant property or complex assets, probate attorneys need time to sort everything out. The executor might need time to sell property or liquidate investments. All of this adds to the timeline.
Want an estimate? Generally, expect probate to take between six months and eighteen months. But talk to a local probate lawyer. They’ll give you a better sense of what to expect in your specific situation.
Small Estate Probate in Pennsylvania
Here’s where it gets interesting. Pennsylvania has a shortcut for small estates.
If the person who died had a small amount of property, you might not need full probate. There’s something called an affidavit procedure. If the total value of the estate is less than $40,000, you can use this streamlined process instead of regular probate.
Here’s how it works. You file an affidavit with the court. You list what the person owned. If the value is under $40,000, you can skip a lot of the court stuff. It’s faster and cheaper.
But there’s a catch. Not all property counts toward that $40,000 limit. Property that goes directly to someone else usually doesn’t count. For example, money in a bank account that names a beneficiary goes straight to that person. Same with life insurance. Same with property owned as “tenants by the entirety” with a spouse. These things bypass probate entirely.
What does count? Things that were solely in the person’s name. Bank accounts with no named beneficiary. Investment accounts with no named beneficiary. Real estate with no other owner. That’s what goes toward your $40,000 total.
Sound complicated? It’s actually one of the reasons people should think about these things while they’re still alive. You can set up your accounts to name beneficiaries. You can own property in a way that passes directly to your spouse or kids. These moves can actually help your family avoid probate completely.
Intestacy in Pennsylvania
Okay, this one’s important. What happens if you die without a will?
Pennsylvania has something called intestacy laws. These are default rules about who gets your stuff. Don’t think this applies to you because you have a will? Good. But for the folks who don’t have a will, here’s what Pennsylvania says.
If you’re married with no kids, your spouse gets everything. That’s simple enough. But if you have kids, it gets split. Your spouse gets a portion. Your children get the rest. The exact split depends on whether you have one child, two children, or more.
If you’re not married, your children split everything equally. If you don’t have children, it goes to your parents. Then your siblings. Then grandparents and aunts and uncles. The law keeps going down the family tree until it finds someone.
But here’s the catch: if nobody in your family can be found, the state gets your money. It goes to Pennsylvania’s treasury. Seriously. All your stuff goes to the government. That might sound harsh, but it’s true. This is another reason a will matters. Even a simple will lets you control who gets your things instead of letting some distant relative or the state decide.
Contesting a Will in Pennsylvania
So your relative’s will was just read. And you think it’s not fair. Can you challenge it?
Maybe. Pennsylvania law says someone can contest a will if they have standing. That fancy term just means you have a legal reason to object. Usually, you need to be someone who would inherit if the will was thrown out. Like a spouse or a child or another family member listed in an earlier will.
What are valid reasons to contest a will? Fraud is a big one. If someone tricked the person into signing the will, that’s fraud. Undue influence is another. That’s when someone pressures the person into changing their will unfairly. Then there’s lack of capacity. If the person wasn’t mentally capable of making a will when they signed it, the will might be invalid.
But here’s what most people don’t know: you have to act fast. In Pennsylvania, if you want to contest a will, you usually need to file your objection within one year of the will being admitted to probate. Miss that deadline and you’re probably out of luck. That’s one year. Not ten years. Not two years. One year.
This is probably the part most people miss. If you think something’s not right with a will, talk to a lawyer immediately. Don’t wait around thinking about it. The clock is ticking.
Property That Doesn’t Go Through Probate
Here’s a pro tip that most people don’t know about. Not everything in your estate goes through probate.
Some property passes directly to beneficiaries. Bank accounts with a named “payable on death” beneficiary? They go straight to that person. Same with retirement accounts like IRAs or 401(k)s. You name a beneficiary, they get the money. No probate involved.
Life insurance works the same way. You name a beneficiary, they get paid directly. Property you own with someone else as joint tenants with rights of survivorship? That automatically goes to the other owner. No probate needed.
There are also living trusts. You put property into a trust while you’re still alive. When you die, that property goes to whoever you named in the trust. The whole thing happens outside of probate. This is actually why some people create trusts. They want to avoid probate and keep their affairs more private.
This stuff is crucial because it means you can actually plan to avoid probate. You don’t have to go through the whole court process if you’re willing to do some planning upfront. And honestly, for most people, the cost and time savings make it worth doing.
Paying Debts and Taxes
Here’s something that catches people off guard. When someone dies, their debts don’t just disappear.
The executor has to use estate money to pay off any debts the person owed. Credit card debt. Medical bills. Mortgage. All of it gets paid before anyone gets their inheritance. That’s Pennsylvania law.
The executor also has to pay estate taxes. Now, here’s the good news: federal estate taxes only apply if the estate is really large. We’re talking over $13 million or so. Most Pennsylvania estates don’t have to worry about federal taxes.
But Pennsylvania doesn’t have an estate tax anymore. They got rid of it. So you don’t pay Pennsylvania state estate tax. That’s actually a break compared to some states.
But you might have to deal with inheritance tax. This is different from estate tax. Pennsylvania charges inheritance tax on certain heirs. Surviving spouses are exempt. Children under 21 are exempt. But if you’re leaving money to more distant relatives, they might owe inheritance tax on what they receive. The rate depends on who gets the money and how much they get. It ranges from 0% to 15%. Your spouse pays nothing. Your kids pay nothing. But if you’re leaving money to a niece or nephew, they might owe something.
What Happens to Your House
Let’s talk about real estate because houses are usually the biggest asset in an estate.
If your house is solely in your name and you have a will, it goes through probate like everything else. The executor handles it. They either sell it or transfer it to whoever you named in your will.
But if your house is owned in a certain way, it might skip probate completely. If you own it “tenants by the entirety” with your spouse, it automatically goes to your spouse when you die. If you own it “joint tenancy with rights of survivorship” with someone, it goes to them. No probate needed.
Some people also put their house in a living trust. That means the house is technically owned by the trust, not by you personally. When you die, the person you named as trustee distributes it according to your wishes. Again, no probate.
If the house is mortgaged, the mortgage doesn’t disappear. The person who inherits the house inherits the debt too. Unless the will specifically says otherwise. So if you leave your house to your kid, they might end up owning the house but owing money on it too.
Recent Changes to Pennsylvania Probate Law
Hold on. Let me tell you about some recent updates. Pennsylvania’s laws don’t change every year, but there have been some tweaks.
As of 2024 and going into 2026, Pennsylvania has been working on updating its probate procedures. The state is looking at ways to make probate faster and cheaper for regular people. They’re examining simplified procedures for smaller estates. Nothing major has changed yet, but courts are paying more attention to efficiency.
One thing that’s stayed consistent: Pennsylvania is pretty relaxed about who can serve as executor. You don’t need to be a Pennsylvania resident if you’re a close relative. This gives families more flexibility than some states.
How to Start the Probate Process
Okay, let’s say someone died and they had a will. What do you actually do?
First, locate the will. The person might have told you where it is. Check their safe deposit box. Check with their lawyer. Check their home. You need the original will, not just a copy.
Next, file it with the court. You’ll go to the Orphans’ Court in the county where the person died. Yes, it’s called Orphans’ Court. Don’t let the name throw you off. It’s the right place. File the will and a petition. You’ll need to pay filing fees.
The court will set a hearing date. At the hearing, you’ll present the will. The executor might need to take an oath. If nobody objects, the court admits the will to probate.
After that, the executor starts their work. They’ll notify heirs and creditors. They’ll collect assets. They’ll pay bills. They’ll eventually distribute what’s left to the people named in the will.
Should you do all this yourself or hire a lawyer? That depends. If the estate is small and simple, you might be able to handle it. But if there’s property, significant money, or any complications, hiring a probate lawyer is probably worth it. They know the procedures. They know what forms to file. They can keep things moving.
Avoiding Probate in Pennsylvania
Here’s the real talk. You can set things up so your family doesn’t have to deal with probate at all.
The easiest way is to use beneficiary designations. Bank accounts, retirement accounts, and life insurance policies all let you name a beneficiary. That person gets the money automatically. No probate. No court. No waiting.
Another option is joint ownership. If your house and bank accounts are jointly owned with someone, those automatically pass to them when you die. Simple.
Then there’s the living trust. You create a trust while you’re alive. You put property into it. You name yourself as trustee while you’re alive. When you die, the person you named takes over as trustee and distributes everything according to your wishes. Nobody goes to court. Nobody deals with the public record of probate.
For small estates, there’s that affidavit procedure we talked about. If you keep your estate under $40,000, your family can use the simplified process instead of full probate.
The key is planning. These strategies work best if you set them up before you die. Don’t wait. Talk to a lawyer about what makes sense for your situation.
Frequently Asked Questions
Can I write a will myself without a lawyer? Yes, Pennsylvania allows handwritten wills or typed wills that you sign in front of two witnesses. You don’t need a lawyer. But honestly, for something this important, it’s usually worth the money. A lawyer makes sure your will actually does what you want and that it’s valid.
What if I have a will from another state? Pennsylvania will usually accept a will from another state if it’s valid there. But you’ll need to file it with Pennsylvania courts and go through probate in Pennsylvania anyway if you have property here.
Can my executor refuse to do the job? Yes, they can. If the person you named doesn’t want to do it, they can decline. That’s why it’s good to ask someone before you name them in your will.
How much does an executor get paid? Pennsylvania law says executors get paid a “reasonable” amount. There’s no set percentage. The court decides based on the work involved. For a simple estate, it might be nothing. For a complex one, it could be several thousand dollars.
What if someone forges my name on a will? That’s will fraud. Pennsylvania law says that’s invalid. If you think someone forged your signature or someone else’s, tell a lawyer right away.
Do I have to go to court for probate? Not necessarily. If everything goes smoothly and nobody objects, the executor might handle most of it without you having to appear. But the executor has to go to court for the initial hearing to have the will admitted.
Can I change my will? Absolutely. You can change or completely redo your will anytime. Just make a new one with the same formalities—written and signed in front of two witnesses. The new will cancels out the old one.
What happens if my executor dies during probate? The court appoints someone else. Usually, the next person you named in your will, or if you didn’t name anyone else, whoever the court thinks is appropriate.
Final Thoughts
Probate in Pennsylvania is complicated. But understanding how it works takes away some of the mystery. Whether you’re planning for your own death or dealing with someone else’s estate, knowing the rules helps.
Here’s the bottom line: plan ahead. Write a will. Name an executor. Consider whether you want a living trust. Set up beneficiary designations on your accounts. These simple steps can save your family time, money, and stress.
If you’re actually going through probate right now, don’t try to figure it all out yourself. Talk to a probate lawyer. The cost of a lawyer usually pays for itself by keeping the process moving and avoiding costly mistakes.
Pennsylvania’s probate laws exist to protect everyone. They make sure debts get paid, taxes get handled, and property goes where you want it to go. Respect the process, work with it, and you’ll be fine.
Stay informed, stay organized, and when in doubt, ask a lawyer. Your family will thank you.