Mortgage Rates in Greensburg, Pennsylvania — March 2026
Updated March 2026 | Based on Greensburg market data and regional lending conditions
Greensburg is a growing city in Pennsylvania with a population of 14,892. The current 30-year fixed mortgage rate in Greensburg is 6.77%, which is 0.12% above the national average. With a median home price of $228,000 and a 20% down payment of $45,600, homebuyers can expect a monthly principal and interest payment of approximately $1,185.
Current Mortgage Rates in Greensburg, PA
Below are the current average mortgage rates available in the Greensburg 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 | 6.77% | 6.65% | +0.12% |
| 15-Year Fixed | 6.01% | 5.89% | +0.12% |
| 5/1 ARM | 6.26% | 6.15% | +0.11% |
| FHA | 6.51% | 6.25% | +0.26% |
| VA | 6.26% | 6.05% | +0.21% |
| Jumbo | 7.02% | 6.85% | +0.17% |
Greensburg Housing Market Overview
The Greensburg housing market offers relatively affordable housing compared to many major cities. The median household income in Greensburg is $54,500, and the cost of living index is 92.1 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $61,543 to comfortably afford the median-priced home in Greensburg, which exceeds the current median household income.
Monthly Payment Breakdown for Greensburg
Based on the median home price of $228,000 with 20% down ($45,600), here is what you can expect to pay monthly in Greensburg:
15-Year vs. 30-Year Mortgage in Greensburg
Choosing a 15-year mortgage in Greensburg at 6.01% instead of a 30-year at 6.77% would save you $149,400 in total interest over the life of the loan. However, your monthly payment would be $1,540 instead of $1,185 — an increase of $355 per month.
Calculate Your Greensburg Mortgage Payment
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Open Free CalculatorFrequently Asked Questions About Mortgages in Greensburg
What are the current mortgage rates in Greensburg, PA?
As of March 2026, the average 30-year fixed mortgage rate in Greensburg, Pennsylvania is 6.77%, while the 15-year fixed rate is 6.01%. FHA loans average 6.51% and VA loans 6.26%. These rates are 0.12% above the national average of 6.65%.
How much is a monthly mortgage payment in Greensburg?
Based on the median home price of $228,000 with 20% down, the estimated monthly mortgage payment in Greensburg is $1,185 for principal and interest. Including property taxes of $251/month, the total monthly housing cost is approximately $1,436.
What income do I need to buy a home in Greensburg?
Using the 28% rule, you would need an annual income of approximately $61,543 to afford the median-priced home in Greensburg at $228,000. The median household income in Greensburg is $54,500. This means most households would need to either earn above the median or consider homes below $228,000.
Is Greensburg a good place to buy a home in 2026?
Greensburg offers a below-average cost of living with a cost of living index of 92.1 (national average = 100). The property tax rate in Pennsylvania is 1.32%, which is near the national average. Greensburg has a population of 14,892 and offers a very affordable lifestyle.
Mortgage Rates in Other Pennsylvania Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Greensburg, Pennsylvania area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.