Mortgage Rates in Gettysburg, Pennsylvania — March 2026
Updated March 2026 | Based on Gettysburg market data and regional lending conditions
Gettysburg is a growing city in Pennsylvania with a population of 7,620. The current 30-year fixed mortgage rate in Gettysburg is 6.34%, which is 0.31% below the national average. With a median home price of $265,000 and a 20% down payment of $53,000, homebuyers can expect a monthly principal and interest payment of approximately $1,317.
Current Mortgage Rates in Gettysburg, PA
Below are the current average mortgage rates available in the Gettysburg 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 | 6.34% | 6.65% | -0.31% |
| 15-Year Fixed | 5.58% | 5.89% | -0.31% |
| 5/1 ARM | 5.84% | 6.15% | -0.31% |
| FHA | 5.94% | 6.25% | -0.31% |
| VA | 5.74% | 6.05% | -0.31% |
| Jumbo | 6.54% | 6.85% | -0.31% |
Gettysburg Housing Market Overview
The Gettysburg housing market offers relatively affordable housing compared to many major cities. The median household income in Gettysburg is $42,000, and the cost of living index is 90 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $70,243 to comfortably afford the median-priced home in Gettysburg, which exceeds the current median household income.
Monthly Payment Breakdown for Gettysburg
Based on the median home price of $265,000 with 20% down ($53,000), here is what you can expect to pay monthly in Gettysburg:
15-Year vs. 30-Year Mortgage in Gettysburg
Choosing a 15-year mortgage in Gettysburg at 5.58% instead of a 30-year at 6.34% would save you $160,740 in total interest over the life of the loan. However, your monthly payment would be $1,741 instead of $1,317 — an increase of $424 per month.
Calculate Your Gettysburg 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 Gettysburg
What are the current mortgage rates in Gettysburg, PA?
As of March 2026, the average 30-year fixed mortgage rate in Gettysburg, Pennsylvania is 6.34%, while the 15-year fixed rate is 5.58%. FHA loans average 5.94% and VA loans 5.74%. These rates are 0.31% below the national average of 6.65%.
How much is a monthly mortgage payment in Gettysburg?
Based on the median home price of $265,000 with 20% down, the estimated monthly mortgage payment in Gettysburg is $1,317 for principal and interest. Including property taxes of $322/month, the total monthly housing cost is approximately $1,639.
What income do I need to buy a home in Gettysburg?
Using the 28% rule, you would need an annual income of approximately $70,243 to afford the median-priced home in Gettysburg at $265,000. The median household income in Gettysburg is $42,000. This means most households would need to either earn above the median or consider homes below $265,000.
Is Gettysburg a good place to buy a home in 2026?
Gettysburg offers a below-average cost of living with a cost of living index of 90 (national average = 100). The property tax rate in Pennsylvania is 1.46%, which is near the national average. Gettysburg has a population of 7,620 and offers a very affordable 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 Gettysburg, Pennsylvania area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.