Mortgage Rates in Pottsville, Pennsylvania — March 2026
Updated March 2026 | Based on Pottsville market data and regional lending conditions
Pottsville is a growing city in Pennsylvania with a population of 13,654. The current 30-year fixed mortgage rate in Pottsville is 6.52%, which is 0.13% below the national average. With a median home price of $95,000 and a 20% down payment of $19,000, homebuyers can expect a monthly principal and interest payment of approximately $481.
Current Mortgage Rates in Pottsville, PA
Below are the current average mortgage rates available in the Pottsville 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 | 6.52% | 6.65% | -0.13% |
| 15-Year Fixed | 5.76% | 5.89% | -0.13% |
| 5/1 ARM | 6.02% | 6.15% | -0.13% |
| FHA | 6.12% | 6.25% | -0.13% |
| VA | 5.92% | 6.05% | -0.13% |
| Jumbo | 6.72% | 6.85% | -0.13% |
Pottsville Housing Market Overview
The Pottsville housing market offers relatively affordable housing compared to many major cities. The median household income in Pottsville is $32,000, and the cost of living index is 79 (national average = 100). Based on the 28% affordability rule, the median income in Pottsville is sufficient to afford the median-priced home.
Monthly Payment Breakdown for Pottsville
Based on the median home price of $95,000 with 20% down ($19,000), here is what you can expect to pay monthly in Pottsville:
15-Year vs. 30-Year Mortgage in Pottsville
Choosing a 15-year mortgage in Pottsville at 5.76% instead of a 30-year at 6.52% would save you $59,400 in total interest over the life of the loan. However, your monthly payment would be $632 instead of $481 — an increase of $151 per month.
Calculate Your Pottsville 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 Pottsville
What are the current mortgage rates in Pottsville, PA?
As of March 2026, the average 30-year fixed mortgage rate in Pottsville, Pennsylvania is 6.52%, while the 15-year fixed rate is 5.76%. FHA loans average 6.12% and VA loans 5.92%. These rates are 0.13% below the national average of 6.65%.
How much is a monthly mortgage payment in Pottsville?
Based on the median home price of $95,000 with 20% down, the estimated monthly mortgage payment in Pottsville is $481 for principal and interest. Including property taxes of $115/month, the total monthly housing cost is approximately $596.
What income do I need to buy a home in Pottsville?
Using the 28% rule, you would need an annual income of approximately $25,543 to afford the median-priced home in Pottsville at $95,000. The median household income in Pottsville is $32,000. The median income is currently sufficient to meet this threshold.
Is Pottsville a good place to buy a home in 2026?
Pottsville offers a below-average cost of living with a cost of living index of 79 (national average = 100). The property tax rate in Pennsylvania is 1.45%, which is near the national average. Pottsville has a population of 13,654 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 Pottsville, Pennsylvania area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.