Pennsylvania Mortgage Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Pennsylvania mortgage rates range from 5.00% to 9.99%, verified by MonitorBankRates as of October 12, 2026. Current 30-year fixed mortgage rates in Pennsylvania include Hill District Federal Credit UnionHill District Federal Credit Union2021 Centre Ave, Pittsburgh, PA, 15219 6301C+4.2 ★Texas Ratio: 25.14% at 5.75%, JTNBJTNB12 Broadway, Jim Thorpe, PA, 18229A+5.0 ★Texas Ratio: 0.00% at 5.85%, Riverfront Federal Credit UnionRiverfront Federal Credit Union2001 Museum Rd, Reading, PA, 19607 1602A+5.0 ★Texas Ratio: 4.11% at 5.97%, Harleysville BankHarleysville Bank1550 Hatfield Valley Rd, Harleysville, PA, 18084A+5.0 ★Texas Ratio: 1.05% at 6.25%, and Iron Workers SBIron Workers SB100 Ridge Rd, Aston, PA, 19014A+5.0 ★Texas Ratio: 0.00% at 6.125%. Mortgage rates as of October 12, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare mortgage rates across all loan types in Pennsylvania side-by-side. Pennsylvania mortgage rates currently start as low as 5.75% from Hill District Federal Credit Union at 2021 Centre Ave, Pittsburgh, PA, 15219 6301. Rates are continually updated, so we recommend checking back frequently.
Mortgage Rates reflect actual verified offers from lenders actively lending to Pennsylvania borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: October 12, 2026
Compare Mortgage Rates Today in Pennsylvania
Pennsylvania 30 Year Fixed Mortgage Rates
No additional details available.
Term: 30 Year Fixed (or 360 monthly payments)
- Oct 12, 20265.92%▼ from 6.42%
- Oct 8, 20266.42%first recorded
APR based on $100,000 loan amount; rates posted are indications only and subject to change without notice
No additional details available.
- Oct 7, 20266.26%▼ from 7.01%
- Oct 1, 20267.01%▲ from 6.64%
- Sep 19, 20266.64%▲ from 5.64%
- Sep 15, 20265.64%first recorded
No additional details available.
No additional details available.
No additional details available.
- Oct 1, 20266.69%▲ from 6.18%
- Sep 27, 20266.18%▲ from 6.03%
- Sep 15, 20266.03%first recorded
No additional details available.
- Oct 12, 20266.77%▲ from 6.51%
- Oct 8, 20266.51%first recorded
No additional details available.
- Oct 1, 20266.77%▲ from 6.27%
- Sep 27, 20266.27%▲ from 6.12%
- Sep 15, 20266.12%first recorded
No additional details available.
- Oct 11, 20266.89%▲ from 6.76%
- Oct 7, 20266.76%first recorded
No additional details available.
- Oct 12, 20266.89%▲ from 6.64%
- Oct 1, 20266.64%▲ from 6.52%
- Sep 16, 20266.52%first recorded
No additional details available.
Rate Lock: 60 days
- Oct 7, 20267.11%▲ from 6.48%
- Sep 15, 20266.48%first recorded
As Low As; Rate shown based on loan amount $125,000.00 to $149,999.00 with no points and maximum Loan to Value of 95% for purchase or refinance of a single family, first lien, owner-occupied property
- Oct 2, 20267.13%▲ from 6.75%
- Sep 16, 20266.75%first recorded
No additional details available.
- Oct 11, 20267.14%▲ from 7.01%
- Oct 1, 20267.01%▲ from 6.76%
- Sep 24, 20266.76%▲ from 6.51%
- Sep 15, 20266.51%first recorded
No additional details available.
- Oct 11, 20267.17%▲ from 7.16%
- Oct 1, 20267.16%▲ from 7.03%
- Sep 27, 20267.03%▲ from 6.78%
- Sep 19, 20266.78%first recorded
No additional details available.
- Oct 8, 20267.22%▲ from 7.10%
- Oct 1, 20267.10%▲ from 6.97%
- Sep 24, 20266.97%▲ from 6.72%
- Sep 16, 20266.72%first recorded
Rate Lock: 60 days
- Oct 11, 20267.26%▼ from 7.27%
- Oct 7, 20267.27%▲ from 6.64%
- Sep 15, 20266.64%first recorded
No additional details available.
- Oct 1, 20267.32%▲ from 7.18%
- Sep 27, 20267.18%▲ from 6.93%
- Sep 19, 20266.93%first recorded
Loan Amount: $0 - $832,750; Single Family, Owner Occupied Properties
Conforming mortgage loan amounts from $50,000 to $832,750; effective 10/09/2026
As low as
- Oct 9, 20267.33%▲ from 7.20%
- Oct 5, 20267.20%▲ from 6.95%
- Sep 14, 20266.95%first recorded
No additional details available.
- Oct 7, 20267.33%▲ from 6.70%
- Sep 7, 20266.70%first recorded
Owner Occupied
720 minimum credit score required.
- Oct 7, 20267.41%▲ from 7.16%
- Sep 27, 20267.16%▲ from 7.03%
- Sep 24, 20267.03%▲ from 6.90%
- Sep 15, 20266.90%first recorded
Owner Occupied
- Oct 12, 20267.42%▲ from 6.79%
- Sep 17, 20266.79%▲ from 6.67%
- Sep 14, 20266.67%first recorded
Annual Percentage Rates (APR) current as of October 7, 2026
- Oct 1, 20267.42%▲ from 7.17%
- Sep 27, 20267.17%▲ from 7.04%
- Sep 24, 20267.04%▲ from 6.79%
- Sep 15, 20266.79%first recorded
No additional details available.
- Oct 2, 20267.44%▲ from 7.19%
- Sep 27, 20267.19%first recorded
No additional details available.
- Sep 17, 20267.50%▲ from 6.93%
- Sep 14, 20266.93%first recorded
As Low As
- Oct 10, 20267.53%▲ from 7.41%
- Oct 6, 20267.41%▲ from 7.13%
- Sep 27, 20267.13%▲ from 7.03%
- Sep 18, 20267.03%▲ from 6.90%
No additional details available.
- Oct 7, 20267.54%▲ from 6.91%
- Sep 15, 20266.91%first recorded
No additional details available.
- Sep 17, 20267.55%▲ from 6.93%
- Sep 14, 20266.93%first recorded
No additional details available.
No additional details available.
No additional details available.
- Sep 17, 20267.57%▲ from 6.93%
- Sep 14, 20266.93%first recorded
No additional details available.
No additional details available.
- Oct 7, 20267.63%▼ from 7.89%
- Sep 27, 20267.89%▲ from 7.64%
- Sep 24, 20267.64%first recorded
No additional details available.
- Oct 7, 20267.65%▲ from 7.40%
- Oct 1, 20267.40%▼ from 7.47%
- Sep 24, 20267.47%▲ from 7.09%
- Sep 18, 20267.09%▲ from 6.84%
Conventional Fannie Mae Mortgage; Origination Fee or Lender Credit: -0.393%
- Oct 12, 20267.67%▼ from 7.80%
- Oct 4, 20267.80%▲ from 7.54%
- Oct 2, 20267.54%▲ from 7.41%
- Sep 25, 20267.41%▲ from 7.16%
No additional details available.
FHA/VA Loans
- Oct 12, 20267.76%▲ from 7.63%
- Oct 4, 20267.63%▼ from 7.76%
- Oct 2, 20267.76%▲ from 7.25%
- Sep 25, 20267.25%▲ from 7.13%
Minimum Down: 5%
- Oct 7, 20267.79%▲ from 6.91%
- Sep 15, 20266.91%first recorded
No additional details available.
FHA/VA Loans
- Oct 12, 20267.81%▲ from 7.76%
- Oct 2, 20267.76%▲ from 7.63%
- Sep 25, 20267.63%▲ from 7.43%
- Sep 17, 20267.43%first recorded
Rates shown include 0.125% autopay and paperless discount.
FHA/VA Loans
- Oct 12, 20267.89%▲ from 7.86%
- Oct 2, 20267.86%▲ from 7.73%
- Sep 25, 20267.73%▲ from 7.48%
- Sep 17, 20267.48%first recorded
No additional details available.
No additional details available.
- Oct 7, 20267.93%▲ from 7.53%
- Sep 15, 20267.53%first recorded
No additional details available.
No additional details available.
- Oct 7, 20268.12%▲ from 7.87%
- Oct 1, 20267.87%▲ from 6.48%
- Sep 19, 20266.48%▼ from 7.49%
- Sep 15, 20267.49%first recorded
Pennsylvania 15 Year Fixed Mortgage Rates
Term: 15 Year Fixed (or 180 monthly payments)
- Oct 12, 20265.36%▼ from 5.86%
- Oct 8, 20265.86%first recorded
APR based on $100,000 loan amount; rates posted are indications only and subject to change without notice
No additional details available.
No additional details available.
No additional details available.
No additional details available.
- Oct 1, 20266.20%▲ from 5.70%
- Sep 15, 20265.70%first recorded
No additional details available.
- Oct 12, 20266.26%▲ from 6.00%
- Oct 8, 20266.00%first recorded
No additional details available.
- Oct 1, 20266.35%▲ from 5.85%
- Sep 15, 20265.85%first recorded
No additional details available.
- Oct 12, 20266.40%▲ from 6.15%
- Oct 1, 20266.15%▲ from 6.03%
- Sep 16, 20266.03%first recorded
Conforming mortgage loan amounts from $50,000 to $832,750; effective 10/09/2026
No additional details available.
- Oct 11, 20266.49%▼ from 6.62%
- Sep 27, 20266.62%▲ from 6.24%
- Sep 19, 20266.24%first recorded
No additional details available.
No additional details available.
- Oct 7, 20266.67%▲ from 5.92%
- Sep 7, 20265.92%first recorded
No additional details available.
- Sep 27, 20266.71%▲ from 6.46%
- Sep 24, 20266.46%▲ from 6.34%
- Sep 19, 20266.34%first recorded
No additional details available.
- Oct 11, 20266.72%▲ from 6.59%
- Oct 1, 20266.59%▲ from 6.34%
- Sep 24, 20266.34%▲ from 6.08%
- Sep 15, 20266.08%first recorded
Rate Lock: 120 days
- Oct 7, 20266.77%▲ from 5.90%
- Sep 15, 20265.90%first recorded
Loan Amount: $0 - $832,750; Single Family, Owner Occupied Properties
Conventional Fannie Mae Mortgage; Origination Fee or Lender Credit: 0.000%
- Sep 25, 20266.81%▲ from 6.44%
- Sep 16, 20266.44%first recorded
Origination Fee or Lender Credit: 0.000%
- Oct 12, 20266.83%▲ from 6.70%
- Oct 8, 20266.70%first recorded
No additional details available.
- Oct 7, 20266.88%▲ from 6.42%
- Sep 15, 20266.42%first recorded
No additional details available.
Owner Occupied
- Oct 12, 20266.94%▲ from 6.32%
- Sep 17, 20266.32%▲ from 6.19%
- Sep 14, 20266.19%first recorded
Owner Occupied
Rates shown include 0.125% autopay and paperless discount.
- Oct 7, 20266.99%▲ from 6.49%
- Sep 15, 20266.49%first recorded
720 minimum credit score required.
- Oct 7, 20267.00%▲ from 6.74%
- Sep 27, 20266.74%▲ from 6.62%
- Sep 24, 20266.62%▲ from 6.49%
- Sep 15, 20266.49%first recorded
Minimum Down: 5%
- Oct 7, 20267.07%▼ from 7.69%
- Sep 15, 20267.69%first recorded
As low as
- Oct 9, 20267.12%▲ from 6.87%
- Oct 5, 20266.87%▲ from 6.62%
- Sep 17, 20266.62%▲ from 6.24%
- Sep 14, 20266.24%first recorded
No additional details available.
No additional details available.
- Oct 7, 20267.17%▲ from 6.67%
- Sep 15, 20266.67%first recorded
No additional details available.
No additional details available.
- Sep 17, 20267.26%▲ from 6.62%
- Sep 14, 20266.62%first recorded
No additional details available.
- Sep 17, 20267.30%▲ from 6.62%
- Sep 14, 20266.62%first recorded
No additional details available.
- Oct 7, 20267.34%▲ from 7.00%
- Sep 15, 20267.00%first recorded
No additional details available.
- Oct 7, 20267.36%▲ from 7.23%
- Sep 27, 20267.23%▲ from 6.98%
- Sep 24, 20266.98%▲ from 6.85%
- Sep 15, 20266.85%first recorded
No additional details available.
- Sep 17, 20267.38%▲ from 6.62%
- Sep 14, 20266.62%first recorded
No additional details available.
- Oct 7, 20267.44%▲ from 7.32%
- Oct 1, 20267.32%▲ from 6.96%
- Sep 24, 20266.96%▲ from 6.83%
- Sep 18, 20266.83%▲ from 6.58%
FHA/VA Loans
No additional details available.
- Oct 7, 20267.69%▼ from 8.19%
- Oct 1, 20268.19%▲ from 7.81%
- Sep 15, 20267.81%first recorded
Conventional Fannie Mae Mortgage; Origination Fee or Lender Credit: 0.310%
- Oct 12, 20267.75%▲ from 7.72%
- Oct 8, 20267.72%▲ from 7.68%
- Oct 4, 20267.68%▼ from 7.69%
- Oct 2, 20267.69%▼ from 7.72%
FHA/VA Loans
No additional details available.
- Oct 7, 20267.77%▲ from 7.27%
- Oct 1, 20267.27%▲ from 5.90%
- Sep 19, 20265.90%▼ from 7.15%
- Sep 15, 20267.15%first recorded
As Low As; Investment property loan
No additional details available.
As Low As; Investment property loan
Minimum Down: 20%
- Oct 7, 20268.57%▲ from 7.69%
- Sep 15, 20267.69%first recorded
No additional details available.
- Oct 7, 20269.03%▲ from 8.91%
- Sep 27, 20268.91%▲ from 8.66%
- Sep 19, 20268.66%▲ from 8.53%
- Sep 15, 20268.53%first recorded
Pennsylvania 5/1 ARM Mortgage Rates
As Low As
Introductory APR determined at time of loan approval based on FICO score. Introductory rate expires after 60 months. After introductory period, APR is determined by adding a margin of 2.75% to the weekly average yield on U.S. Treasury Securities adjusted to a constant maturity of one year, but with a floor of the introductory rate. Floor for a recent Rate as of November 17, 2025, was 6.250%, for applicants with FICO scores of at least 700. APR is subject to change after consummation and may change annually after the first five years. Add .500% to Rate to arrive at a Floor of 6.750% for investment properties, for applicants with FICO scores of at least 700.
As low as
As Low As; ARM 5/5 (15-year term)
As Low As; ARM 5/5 (20-year term)
Introductory rate
As Low As; 5/6 ARM is a variable rate loan; APR assumes 20% down payment, 30 day rate lock and $200,000 loan amount
As Low As; ARM 5/5 (30-year term)
Rates Effective October 5, 2026.
- Oct 9, 20266.91%▲ from 6.66%
- Sep 29, 20266.66%first recorded
No additional details available.
- Sep 27, 20266.97%▲ from 6.79%
- Sep 24, 20266.79%▲ from 6.67%
- Sep 19, 20266.67%first recorded
No additional details available.
- Sep 27, 20266.97%▲ from 6.80%
- Sep 24, 20266.80%▲ from 6.67%
- Sep 19, 20266.67%first recorded
As Low As; Rates and APRs effective October 2, 2026; Adjustable-rate mortgage; Conforming loan amounts from $50,000 to $832,750
Interest Rate 6.500%; APR 7.159%
Adjustable rate mortgage
As Low As; Fixed for first 5 years, then adjusts annually over 30-year term
Fixed for first 5 years, then adjusts annually; 3.00% margin over CMT Index; 2/2/6 cap structure; 30-year amortization; maximum lifetime rate 12.500%; floor 3.00%
caps 2% / 4% life; Rate Lock: 120 days
- Oct 7, 20267.18%▲ from 6.62%
- Sep 15, 20266.62%first recorded
caps 2% / 4% life; Rate Lock: 120 days
- Oct 7, 20267.18%▲ from 6.62%
- Sep 15, 20266.62%first recorded
No additional details available.
- Oct 7, 20267.19%▲ from 7.01%
- Oct 2, 20267.01%▼ from 7.10%
- Oct 1, 20267.10%▲ from 6.99%
- Sep 27, 20266.99%▲ from 6.97%
Minimum Down: 10%; Time Initial Rate is Fixed: 5 Yrs.; Adjustment After Initial Period: 6 Months; First Adjusted Interest Rate: 6.875%; Max Lifetime Cap: 12.875%
- Oct 7, 20267.41%▲ from 7.38%
- Sep 15, 20267.38%first recorded
Minimum Down: 5%; Time Initial Rate is Fixed: 5 Yrs.; Adjustment After Initial Period: 6 Months; First Adjusted Interest Rate: 6.875%; Max Lifetime Cap: 12.875%
- Oct 7, 20267.43%▲ from 7.38%
- Sep 15, 20267.38%first recorded
Initial Fixed Rate Period: 5 Years; First Adjusted Rate: 7.27%
- Oct 8, 20267.55%▲ from 7.18%
- Oct 1, 20267.18%▲ from 7.14%
- Sep 24, 20267.14%▲ from 6.89%
- Sep 16, 20266.89%first recorded
As low as; Rate: 6.750%
- Oct 9, 20267.61%▲ from 7.08%
- Sep 29, 20267.08%▲ from 6.93%
- Sep 17, 20266.93%▲ from 6.69%
- Sep 14, 20266.69%first recorded
As low as; Rate: 7.125%
- Oct 9, 20267.62%▲ from 7.57%
- Sep 29, 20267.57%▲ from 7.33%
- Sep 17, 20267.33%▲ from 6.94%
- Sep 14, 20266.94%first recorded
caps 2% / 4% life
- Oct 7, 20268.18%▲ from 7.93%
- Oct 1, 20267.93%▲ from 7.51%
- Sep 15, 20267.51%first recorded
caps 2% / 4% life
- Oct 7, 20268.18%▲ from 7.93%
- Oct 1, 20267.93%▲ from 7.51%
- Sep 15, 20267.51%first recorded
Pennsylvania 30-Year Jumbo Mortgage Rates
No additional details available.
Introductory rate
No additional details available.
Rate Lock: 60 Day
Origination Fee or Lender Credit: 0.000%; Conventional Fannie Mae
- Oct 12, 20266.71%▲ from 6.65%
- Oct 2, 20266.65%▲ from 6.56%
- Sep 25, 20266.56%▲ from 6.42%
- Sep 16, 20266.42%first recorded
Origination Fee or Lender Credit: 0.000%
Loan Amount: $832,751 - $1,500,000
- Oct 12, 20266.75%▲ from 6.36%
- Sep 16, 20266.36%first recorded
Rate Lock: 60 Day
Payment Example: 3/5 Jumbo ARM Payment Example
- Oct 6, 20266.87%▲ from 6.77%
- Sep 30, 20266.77%first recorded
No additional details available.
- Oct 1, 20266.88%▲ from 6.63%
- Sep 24, 20266.63%first recorded
Loan Amount: $832,751 - $1,500,000
- Oct 12, 20267.11%▲ from 6.59%
- Sep 16, 20266.59%first recorded
Loan Amount: $832,751 - $1,500,000
- Oct 12, 20267.18%▲ from 6.68%
- Sep 16, 20266.68%first recorded
Loan Amount: $832,751 - $1,500,000
- Oct 12, 20267.30%▲ from 6.79%
- Sep 16, 20266.79%first recorded
As Low As; Rates and APRs effective October 2, 2026; Adjustable-rate mortgage; Jumbo loan amounts greater than $832,750
Introductory rate
No additional details available.
- Oct 1, 20267.65%▲ from 7.52%
- Sep 28, 20267.52%▲ from 7.15%
- Sep 16, 20267.15%first recorded
Jumbo Mortgage Loan Amounts Greater Than $832,750
No additional details available.
- Oct 7, 20267.90%▲ from 7.66%
- Oct 1, 20267.66%▲ from 7.42%
- Sep 24, 20267.42%▲ from 7.34%
- Sep 18, 20267.34%first recorded
Jumbo
- Oct 12, 20268.01%▲ from 7.76%
- Sep 25, 20267.76%first recorded
$832,751 - $2,000,000
Pennsylvania 15-Year Jumbo Mortgage Rates
No additional details available.
No additional details available.
- Oct 1, 20266.14%▲ from 6.00%
- Sep 24, 20266.00%first recorded
No additional details available.
Rate Lock: 60 Day
Conventional Fannie Mae Mortgage; Origination Fee or Lender Credit: 0.000%
- Sep 25, 20266.77%▲ from 6.39%
- Sep 16, 20266.39%first recorded
Loan Amount: $832,751 - $1,500,000
- Oct 12, 20266.77%▲ from 6.25%
- Sep 16, 20266.25%first recorded
Origination Fee or Lender Credit: 0.000%
- Oct 12, 20266.77%▲ from 6.65%
- Oct 8, 20266.65%first recorded
Jumbo Mortgage Loan Amounts Greater Than $832,750
Jumbo
- Oct 12, 20267.25%▲ from 7.00%
- Sep 25, 20267.00%first recorded
No additional details available.
- Oct 1, 20267.28%▲ from 7.16%
- Sep 28, 20267.16%▲ from 6.66%
- Sep 16, 20266.66%first recorded
No additional details available.
- Oct 7, 20267.44%▲ from 7.32%
- Oct 1, 20267.32%▲ from 6.89%
- Sep 24, 20266.89%▲ from 6.83%
- Sep 18, 20266.83%first recorded
No additional details available.
No additional details available.
Pennsylvania 5/1 Jumbo ARM Mortgage Rates
Payment Example: 5/5 Jumbo ARM Payment Example
- Oct 6, 20266.83%▲ from 6.75%
- Sep 30, 20266.75%first recorded
Introductory rate
As Low As; Rates and APRs effective October 2, 2026; Adjustable-rate mortgage; Jumbo loan amounts greater than $832,750
Pennsylvania FHA Loan Rates
As of October 1, 2026; Subject to credit approval. Rates, terms, and information are subject to change at any time. Rates offered are dependent on credit score at application. Rates are locked for 60 days. Loans with less than 20% down payment will require private mortgage insurance. NMLS 595144
- Oct 2, 20267.39%▲ from 6.88%
- Sep 21, 20266.88%first recorded
As Low As; Rates and APRs effective October 2, 2026; FHA/VA loan
FHA/VA Loans
FHA
- Oct 12, 20267.66%▲ from 7.50%
- Sep 25, 20267.50%first recorded
As Low As; Rates and APRs effective October 2, 2026; FHA/VA loan
- Oct 12, 20267.76%▲ from 7.63%
- Sep 25, 20267.63%first recorded
FHA/VA Loans
- Oct 12, 20267.81%▲ from 7.76%
- Oct 2, 20267.76%▲ from 7.63%
- Sep 25, 20267.63%▲ from 7.43%
- Sep 17, 20267.43%first recorded
FHA
- Oct 12, 20267.81%▲ from 7.76%
- Oct 2, 20267.76%▲ from 7.63%
- Sep 25, 20267.63%first recorded
As Low As; Rates and APRs effective October 2, 2026; FHA/VA loan
FHA/VA Loans
- Oct 12, 20267.89%▲ from 7.86%
- Oct 2, 20267.86%▲ from 7.73%
- Sep 25, 20267.73%▲ from 7.48%
- Sep 17, 20267.48%first recorded
No additional details available.
Pennsylvania VA Loan Rates
FHA/VA Loans
FHA/VA Loans
- Oct 12, 20267.76%▲ from 7.63%
- Oct 4, 20267.63%▼ from 7.76%
- Oct 2, 20267.76%▲ from 7.25%
- Sep 25, 20267.25%▲ from 7.13%
No additional details available.
- Oct 12, 20267.89%▲ from 7.86%
- Oct 2, 20267.86%▲ from 7.73%
- Sep 25, 20267.73%first recorded
Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
Pennsylvania Mortgage Rate Trends
Compare local Pennsylvania mortgage rate quotes against the statewide average
Daily mortgage rate averages tracked across our database of verified mortgage rate quotes, updated every evening.
Pennsylvania 30-year fixed rates rose 0.026 points over the past 7 days to 7.327%.
Pennsylvania 15-year fixed rates rose 0.064 points over the past 7 days to 6.847%.
Pennsylvania Mortgage Rate Forecast, Next 12 Months
Where are Pennsylvania mortgage rates headed through October 2027?
Based on Fed funds rate futures, 10-year Treasury path, and historical mortgage spread model. Not financial advice.
What Forecast Rates Mean for Pennsylvania Home Buyers
Monthly principal & interest payment on Pennsylvania median home of $254,500 (20% down, 30-year fixed, state-level Census ACS median)
| Scenario | Rate | Mo. Payment | vs. Today | % of Income |
|---|---|---|---|---|
| Today (PA avg) | 7.327% | $1,400 | 21.5% | |
| 6-Month Forecast | 7.327% (6.98, 7.63%) | $1,400 | +$0/mo | 21.5% |
| 12-Month Forecast | 7.577% (7.23, 7.88%) | $1,434 | +$35/mo | 22.1% |
Income column = annual mortgage payment as % of Pennsylvania median household income ($77,971). Above 30% is generally considered cost-burdened.
MonitorBankRates Housing Affordability Index (MBR-HAI)
A daily-updated affordability score for Pennsylvania , updated every night from live mortgage rates across our monitoring network combined with U.S. Census Bureau income, home value, and cost burden data.
What This Score Means for Pennsylvania Home Buyers
With a score of 107.9, Pennsylvania is 10.9 points more affordable than the national average of 97.1. Pennsylvania ranks #18 out of 51 states for affordability, near the middle of the national affordability range.
The index reflects the current Pennsylvania 30-year mortgage rate of 7.330% combined with Census median home values, household income, property taxes, and cost burden data. A 0.25% rate change shifts the score by approximately 0.8-1.0 points, meaning today’s rate environment directly impacts how affordable homeownership is relative to local incomes across Pennsylvania.
Scores update each morning, computed from rate data captured the previous night. Computed from live mortgage rates across FDIC-insured banks and NCUA-chartered credit unions, combined with U.S. Census Bureau ACS 5-Year Estimates (2024) and CPS/HVS Q4 2025. Score of 100 = national average at 6.5% reference rate. Full methodology
How Mortgage Rates Impact Home Affordability in Pennsylvania
Pennsylvania Housing Market Overview
According to the U.S. Census Bureau, the median owner-occupied home value in Pennsylvania is approximately $254,500. The 2026 FHFA conforming loan limit for Pennsylvania is $832,750.
Pennsylvania Homeownership Rate
With a homeownership rate of 74.3%, well above the national average of 65.7%, Pennsylvania has a strong ownership culture, making competitive mortgage rates especially important for buyers entering the market. The homeowner vacancy rate of 1.1% signals a tight market with limited available inventory, making it critical to secure the best possible rate quickly when a suitable property becomes available.
Monthly Payment Estimates for Pennsylvania Buyers
Even a small difference in your interest rate can add up to tens of thousands of dollars over the life of a loan. The table below shows monthly principal and interest payments on a $200,000 mortgage, based on a 20% down payment on the Pennsylvania median home value.
| Interest Rate | Loan Term | Monthly Payment | Total Interest Paid |
|---|---|---|---|
| 6.827% | 30-year fixed | $1,307 | $270,682 |
| 7.327% Current Avg | 30-year fixed | $1,375 | $294,933 |
| 7.827% | 30-year fixed | $1,443 | $319,653 |
| 6.847% | 15-year fixed | $1,781 | $120,507 |
A 0.500% rate increase on a $200,000 loan adds roughly $69 per month and over $24,720 in total interest over a 30-year term. That’s why comparing verified, current rates from multiple lenders, using the rate table above, is one of the most impactful financial decisions a Pennsylvania buyer can make.
Data sources: U.S. Census Bureau; Federal Housing Finance Agency (FHFA). Monthly payments shown are principal & interest only; taxes, insurance, and PMI not included.
Pennsylvania Income & Housing Affordability
At a price-to-income ratio of 3.3x, Pennsylvania is a relatively affordable housing market compared to national averages. That ratio, median home value divided by median household income, is a standard benchmark used by housing economists to gauge how accessible homeownership is relative to local earnings. The national baseline is approximately 3.8x.
What This Means for Pennsylvania Buyers
With a median household income of $77,971 per year in Pennsylvania ($6,498/month) and a median home value of approximately $254,500, a buyer financing at 80% LTV at the current average rate would commit roughly 21.2% of gross monthly income to principal and interest alone. that falls within a manageable range relative to income, though taxes, insurance, HOA fees, and PMI will add to the true monthly cost of ownership.
Data sources: U.S. Census Bureau. Monthly payment estimate assumes 80% LTV at current average rate; principal and interest only.
Full Cost of Homeownership in Pennsylvania
A mortgage payment is just the starting point. Property taxes, insurance, and utilities add hundreds of dollars per month to the true cost of owning a home across Pennsylvania. Understanding the full picture before you buy is the difference between a home you can afford and one that stretches you thin.
Owner vs. Renter Costs
Across Pennsylvania, the median homeowner with a mortgage pays approximately $1,207/month in total housing costs, covering the mortgage payment, property taxes, insurance, and utilities. The median renter pays $1,209/month including utilities. In this market, owning costs less per month than renting, a compelling financial case for buyers who can qualify for financing. Property taxes alone account for $305/month of the ownership cost, a figure that can vary dramatically by location and is often underestimated by first-time buyers.
Housing Cost Burden
The federal standard defines “cost burdened” as spending more than 30% of gross household income on housing. “Severely cost burdened” means spending 50% or more. Both thresholds leave little room for savings, emergencies, or other financial goals.
Across Pennsylvania, 23.6% of homeowners with mortgages are cost burdened and 45.8% of renters are cost burdened. Renters face significantly higher burden rates than owners, a pattern that often reflects lower renter incomes rather than lower rental costs, and one that can make the path from renting to owning financially difficult even when mortgage payments might be affordable. The 23.6% owner burden rate is below the national average of 28.0%, suggesting this market offers relatively manageable ownership costs relative to local incomes.
Data sources: U.S. Census Bureau, American Community Survey 5-Year Estimates. Monthly owner costs include mortgage payment, taxes, insurance, and utilities. Property taxes reflect median annual taxes for mortgage holders. Rent reflects median gross rent including utilities. Cost burden figures reflect households spending 30%+ of gross income on housing.
Pennsylvania Mortgage Payment Calculator
See your estimated monthly principal & interest payment at today’s Pennsylvania rates. The home price is prefilled with the local median home value. Adjust anything, or click a current rate on the right to apply that loan type’s rate and term instantly.
Principal & interest only, excludes property taxes, homeowners insurance, PMI, and HOA dues. See the Full Cost of Homeownership section above for those figures. Estimates are for informational purposes only.
Run the Numbers on Your Pennsylvania Home Loan
Rates are only part of the equation. Use these calculators to translate current Pennsylvania mortgage rates and home loan rates into real numbers for your specific situation before you request quotes from mortgage lenders.
Enter your loan amount, interest rate, and term length to see your estimated monthly principal and interest payment. Adjust any variable to model different scenarios: a larger down payment, a shorter term, or a rate a quarter-point lower than what you were quoted.
CalculateTell us your gross income, monthly debt obligations, and how much you have for a down payment. We’ll show you the home price range you’re likely to qualify for at current Pennsylvania rates, so you can shop with a realistic number in mind rather than discovering your ceiling after you’ve fallen in love with a property.
CalculateIf you already own a home, enter your current rate, remaining loan balance, and the rate you’ve been quoted to refinance. The calculator shows your new monthly payment, how much you’d save each month, and the break-even point, the number of months it takes for your savings to cover the closing costs of refinancing.
CalculateBuying isn’t always the better financial decision, and renting isn’t always throwing money away. This calculator weighs the full cost of each path: mortgage payments, taxes, insurance, and maintenance against rent increases and the opportunity cost of a down payment, to show which option builds more wealth over your intended time horizon in Pennsylvania.
CalculateTypes of Mortgages Available in Pennsylvania
Borrowers in Pennsylvania have access to a wide range of mortgage programs. Rates, down payment requirements, and eligibility rules vary significantly across products. Understanding the differences before you compare lenders can save thousands of dollars over the life of your loan.
Fixed-Rate Mortgage
A fixed-rate mortgage locks your interest rate in for the entire loan term. Your principal and interest payment on day one is identical to payment 360. That predictability is valuable for long-term financial planning, especially in markets where housing costs represent a large share of household income.
Available in 10-, 15-, 20-, and 30-year terms. The 30-year minimizes monthly payments; the 15-year cuts total interest paid dramatically but requires a higher monthly commitment. The payment comparison table above shows exactly how those trade-offs look at today’s Pennsylvania rate levels.
Adjustable-Rate Mortgage (ARM)
An ARM offers a fixed introductory rate for an initial period, commonly 5, 7, or 10 years, after which the rate adjusts periodically based on a market index. The starting rate is typically lower than a comparable fixed-rate loan, which reduces your monthly payment during the initial window.
ARMs work best when you have a defined exit timeline: if you plan to sell or refinance before the fixed period ends, you capture the lower rate without exposure to future adjustments. Rate caps govern how much the rate can move at each adjustment and in total, so read those terms closely before committing.
FHA Loan
Backed by the Federal Housing Administration, FHA loans are built for buyers who don’t yet meet conventional loan standards. You can qualify with a credit score of 580 and just 3.5% down, and some lenders will consider scores as low as 500 with a 10% down payment.
The cost of that lower barrier is mortgage insurance. FHA loans carry an upfront MIP of 1.75% of the loan amount (which can be rolled in) plus an annual MIP of 0.15% to 0.75% depending on your term and LTV. For buyers who would otherwise wait years to save a larger down payment, given ongoing home price trends in Pennsylvania, FHA is often the faster path to ownership.
VA Loan
Available to eligible active-duty service members, veterans, reservists, National Guard members, and qualifying surviving spouses, VA loans are among the most favorable mortgage programs available anywhere. No down payment is required, there is no monthly mortgage insurance, and rates are generally competitive with, and often better than, conventional loan rates.
A one-time funding fee applies, 2.15% of the loan for first-time VA borrowers with no down payment, which can be financed into the loan. In Pennsylvania, where home prices require substantial savings for a conventional down payment, the zero-down VA benefit is an enormous advantage for those who qualify.
Jumbo Loan
Conforming loan limits in Pennsylvania vary by county. The 2026 FHFA baseline is $832,750 for most counties, with higher limits in designated high-cost areas. Any mortgage exceeding the applicable county limit is a jumbo loan and falls outside Fannie Mae and Freddie Mac guidelines.
Jumbo underwriting is stricter: lenders typically require a credit score of 700 or higher, substantial cash reserves, thorough income documentation, and a down payment of at least 10 to 20%. Rates may run slightly above conforming levels, though the gap narrows in competitive lending environments.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Pennsylvania mortgage rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Mortgage Rate Data: We aggregate mortgage and refinance rates for Pennsylvania directly from the official websites of local lenders, credit unions, and national mortgage originators using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every rate displayed is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home loan products in Pennsylvania. We feature a comprehensive mix of licensed NMLS financial institutions, from neighborhood credit unions and competitive regional banks to large national originators available to borrowers in PA.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update mortgage rates daily. Because rates and APRs can fluctuate rapidly based on bond markets and economic conditions, every loan product features its own “last updated” date for full transparency.
Proprietary Lender Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data, including the Texas Ratio, ensuring you compare rates from secure, reliable lenders.
How a Mortgage Works in Pennsylvania
A mortgage is a loan used to buy a home in Pennsylvania, secured by the property itself as collateral. The borrower repays the amount over a set term, most commonly 30 or 15 years, in monthly installments that cover both principal and interest. Because the loan is secured, the lender can foreclose on the home if payments are not made, which is part of why mortgage rates are lower than rates on unsecured debt.
Fixed-Rate vs. Adjustable-Rate Mortgages for Pennsylvania Buyers
A fixed-rate mortgage keeps the same interest rate for the entire term, so a Pennsylvania homeowner’s principal-and-interest payment never changes. For example, Hill District Federal Credit Union is listing a 30-Year Fixed Mortgage at 5.75%. An adjustable-rate mortgage (ARM) starts with a fixed period, often five, seven, or ten years, and then adjusts periodically based on a market index. ARMs usually open with a lower rate, but the payment can rise once the fixed period ends, so they tend to suit Pennsylvania borrowers who expect to move or refinance before that point. On the adjustable-rate side, First Peoples Community Federal Credit Union is listing a ARM (Adjustable Rate Mortgage) - 5/1 ARM at 5.00%.
How Pennsylvania Mortgage Rates Are Set
Mortgage rates move with the broader bond market, particularly the yield on the 10-year Treasury, plus a spread that reflects lender costs and risk. On top of that national baseline, the rate a Pennsylvania borrower is offered depends on individual factors: credit score, down payment size, loan amount, loan type, and the property itself. This is why the advertised rates above are a starting point, and a borrower’s final rate is set once an application is underwritten.
Points and Closing Costs in Pennsylvania
The interest rate is not the only cost of buying a home in Pennsylvania. Discount points are an optional upfront fee (one point equals one percent of the loan amount) paid to lower the rate over the life of the loan. Closing costs cover items such as origination fees, appraisal, title insurance, and recording, and typically run two to five percent of the loan. Comparing the annual percentage rate (APR) alongside the note rate helps Pennsylvania shoppers account for these costs when weighing lenders.
When Pennsylvania Homeowners Should Consider Refinancing
Refinancing replaces an existing mortgage with a new one, usually to secure a lower rate, change the term, or tap home equity. For Pennsylvania homeowners, the general guideline is that refinancing makes sense when the savings from a lower rate recoup the closing costs within the time the borrower plans to stay in the home, known as the break-even point. Borrowers also refinance to switch from an adjustable rate to a fixed rate, or to remove mortgage insurance once enough equity has built up. Current Pennsylvania refinance rates from local lenders are listed on our refinance page.
Frequently Asked Questions about Mortgage Rates in Pennsylvania
What are home loan rates in Pennsylvania (PA) today?
How does my credit score affect my rate in Pennsylvania?
What is a 30-Year Fixed Mortgage?
What are closing costs in Pennsylvania?
Should I lock my mortgage rate?
What is an Adjustable-Rate Mortgage (ARM)?
What is a Jumbo Loan in Pennsylvania?
Do I need 20% down to buy a house in Pennsylvania?
What is the difference between Interest Rate and APR?
How do I compare mortgage lenders in Pennsylvania?
How do I get mortgage quotes in Pennsylvania?
What is the median home value in Pennsylvania?
What is the homeownership rate in Pennsylvania?
What is the conforming loan limit in Pennsylvania?
What is the median monthly cost of homeownership in Pennsylvania?
What are the median property taxes in Pennsylvania?
What is the median rent in Pennsylvania?
What percentage of homeowners are cost burdened in Pennsylvania?
What percentage of renters are cost burdened in Pennsylvania?
What are the best Mortgage rates in Pennsylvania?
- Hill District Federal Credit Union: 5.75% (30-Year Fixed Mortgage)
- JTNB: 5.85% (Current Mortgage - 30 Year Fixed)
- Riverfront Federal Credit Union: 5.97% (Mortgage 30 Year Fixed)
- Harleysville Bank: 6.25% (30 Yr. Fixed)
- Iron Workers SB: 6.125% (30 Year Fixed Rate)
Pennsylvania Rates & Resources
Mortgage Rates & Home Loan Rates by City in Pennsylvania (PA)
