Mortgage Rates in Baldwin, Pennsylvania — March 2026
Updated March 2026 | Based on Baldwin market data and regional lending conditions
Baldwin is a growing city in Pennsylvania with a population of 19,767. The current 30-year fixed mortgage rate in Baldwin is 6.71%, which is 0.06% above the national average. With a median home price of $233,000 and a 20% down payment of $46,600, homebuyers can expect a monthly principal and interest payment of approximately $1,204.
Current Mortgage Rates in Baldwin, PA
Below are the current average mortgage rates available in the Baldwin area as of March 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.71% | 6.65% | +0.06% |
| 15-Year Fixed | 5.95% | 5.89% | +0.06% |
| 5/1 ARM | 6.22% | 6.15% | +0.07% |
| FHA | 6.48% | 6.25% | +0.23% |
| VA | 6.23% | 6.05% | +0.18% |
| Jumbo | 6.96% | 6.85% | +0.11% |
Baldwin Housing Market Overview
The Baldwin housing market offers relatively affordable housing compared to many major cities. The median household income in Baldwin is $57,200, and the cost of living index is 95.2 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $62,271 to comfortably afford the median-priced home in Baldwin, which exceeds the current median household income.
Monthly Payment Breakdown for Baldwin
Based on the median home price of $233,000 with 20% down ($46,600), here is what you can expect to pay monthly in Baldwin:
15-Year vs. 30-Year Mortgage in Baldwin
Choosing a 15-year mortgage in Baldwin at 5.95% instead of a 30-year at 6.71% would save you $151,200 in total interest over the life of the loan. However, your monthly payment would be $1,568 instead of $1,204 — an increase of $364 per month.
Calculate Your Baldwin Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in Baldwin
What are the current mortgage rates in Baldwin, PA?
As of March 2026, the average 30-year fixed mortgage rate in Baldwin, Pennsylvania is 6.71%, while the 15-year fixed rate is 5.95%. FHA loans average 6.48% and VA loans 6.23%. These rates are 0.06% above the national average of 6.65%.
How much is a monthly mortgage payment in Baldwin?
Based on the median home price of $233,000 with 20% down, the estimated monthly mortgage payment in Baldwin is $1,204 for principal and interest. Including property taxes of $249/month, the total monthly housing cost is approximately $1,453.
What income do I need to buy a home in Baldwin?
Using the 28% rule, you would need an annual income of approximately $62,271 to afford the median-priced home in Baldwin at $233,000. The median household income in Baldwin is $57,200. This means most households would need to either earn above the median or consider homes below $233,000.
Is Baldwin a good place to buy a home in 2026?
Baldwin offers a below-average cost of living with a cost of living index of 95.2 (national average = 100). The property tax rate in Pennsylvania is 1.28%, which is near the national average. Baldwin has a population of 19,767 and offers a balanced lifestyle.
Mortgage Rates in Other Pennsylvania Cities
Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the Baldwin, Pennsylvania area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.