Mortgage Rates in Pottsville, Pennsylvania — April 2026
Updated April 2026 | Based on Pottsville market data and regional lending conditions
Pottsville is a smaller Pennsylvania community of 13,654 where home prices remain well below the national median, making homeownership more attainable. The current 30-year fixed rate here is 6.52% (0.43% above the national average). At a median home price of $95,000, the estimated $596/month payment (with 20% down) is affordable on the local median income of $32,000.
Whether you call it a 30-year mortgage, 30-year home loan, 30-year house loan, or 30-year mortgage loan, the underlying product is the same: a fixed-rate amortizing loan paid over 360 months. In Pottsville, PA, the current 30-year rate is 6.52%. Shorter terms (15-year fixed at 5.76% or 20-year fixed, typically priced between the 15- and 30-year) reduce total interest paid but increase monthly payments — see our 15-year vs 30-year comparison for the math. Government-backed options include FHA loans (6.12%) and VA loans (5.92%), often available at lower rates with reduced down payment requirements.
Current Mortgage Rates in Pottsville, PA
Below are the current average mortgage rates available in the Pottsville area as of April 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% | 6.09% | +0.43% |
| 15-Year Fixed | 5.76% | 5.58% | +0.18% |
| 5/1 ARM | 6.02% | 5.95% | +0.07% |
| FHA | 6.12% | 5.85% | +0.27% |
| VA | 5.92% | 5.65% | +0.27% |
| Jumbo | 6.72% | 6.25% | +0.47% |
Pottsville Housing Market Overview
Pottsville is one of the more affordable housing markets, with a median home price of just $95,000 — significantly below the national median. Combined with a property tax rate of 1.45%, the total monthly housing cost of $596 is within reach for many local households earning the median $32,000.
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 April 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 0.43% above the national average of 6.09%.
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
Related Tools & Guides
📊 Sources & Methodology
- 30-yr/15-yr fixed rates: Freddie Mac Primary Mortgage Market Survey (PMMS), weekly national average adjusted for Pennsylvania regional spread.
- Median home price: $95,000 sourced from Redfin / Zillow real estate listings (2026 data).
- Property tax rate: 1.45% effective rate per Tax Foundation 2026 state property tax data.
- Median household income: $32,000 per US Census Bureau ACS 5-year estimate.
- Calculations: standard amortization formula M = P[r(1+r)^n] / [(1+r)^n − 1], with r = monthly rate, n = 360 months, P = loan amount (80% of home price).
Last updated: April 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.