Mortgage Rates in Jim Thorpe, Pennsylvania — March 2026
Updated March 2026 | Based on Jim Thorpe market data and regional lending conditions
Jim Thorpe is a growing city in Pennsylvania with a population of 4,630. The current 30-year fixed mortgage rate in Jim Thorpe is 6.34%, which is 0.31% below the national average. With a median home price of $225,000 and a 20% down payment of $45,000, homebuyers can expect a monthly principal and interest payment of approximately $1,119.
Current Mortgage Rates in Jim Thorpe, PA
Below are the current average mortgage rates available in the Jim Thorpe 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% |
Jim Thorpe Housing Market Overview
The Jim Thorpe housing market offers relatively affordable housing compared to many major cities. The median household income in Jim Thorpe is $42,000, and the cost of living index is 88 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $59,786 to comfortably afford the median-priced home in Jim Thorpe, which exceeds the current median household income.
Monthly Payment Breakdown for Jim Thorpe
Based on the median home price of $225,000 with 20% down ($45,000), here is what you can expect to pay monthly in Jim Thorpe:
15-Year vs. 30-Year Mortgage in Jim Thorpe
Choosing a 15-year mortgage in Jim Thorpe at 5.58% instead of a 30-year at 6.34% would save you $136,800 in total interest over the life of the loan. However, your monthly payment would be $1,478 instead of $1,119 — an increase of $359 per month.
Calculate Your Jim Thorpe Mortgage Payment
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Open Free CalculatorFrequently Asked Questions About Mortgages in Jim Thorpe
What are the current mortgage rates in Jim Thorpe, PA?
As of March 2026, the average 30-year fixed mortgage rate in Jim Thorpe, 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 Jim Thorpe?
Based on the median home price of $225,000 with 20% down, the estimated monthly mortgage payment in Jim Thorpe is $1,119 for principal and interest. Including property taxes of $276/month, the total monthly housing cost is approximately $1,395.
What income do I need to buy a home in Jim Thorpe?
Using the 28% rule, you would need an annual income of approximately $59,786 to afford the median-priced home in Jim Thorpe at $225,000. The median household income in Jim Thorpe is $42,000. This means most households would need to either earn above the median or consider homes below $225,000.
Is Jim Thorpe a good place to buy a home in 2026?
Jim Thorpe offers a below-average cost of living with a cost of living index of 88 (national average = 100). The property tax rate in Pennsylvania is 1.47%, which is near the national average. Jim Thorpe has a population of 4,630 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 Jim Thorpe, Pennsylvania area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.