Mortgage Rates in Shamokin, Pennsylvania — March 2026
Updated March 2026 | Based on Shamokin market data and regional lending conditions
Shamokin is a growing city in Pennsylvania with a population of 7,057. The current 30-year fixed mortgage rate in Shamokin is 6.71%, which is 0.06% above the national average. With a median home price of $192,000 and a 20% down payment of $38,400, homebuyers can expect a monthly principal and interest payment of approximately $992.
Current Mortgage Rates in Shamokin, PA
Below are the current average mortgage rates available in the Shamokin 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 | 6.71% | 6.65% | +0.06% |
| 15-Year Fixed | 5.95% | 5.89% | +0.06% |
| 5/1 ARM | 6.22% | 6.15% | +0.07% |
| FHA | 6.48% | 6.25% | +0.23% |
| VA | 6.23% | 6.05% | +0.18% |
| Jumbo | 6.96% | 6.85% | +0.11% |
Shamokin Housing Market Overview
The Shamokin housing market offers relatively affordable housing compared to many major cities. The median household income in Shamokin is $61,400, and the cost of living index is 91 (national average = 100). Based on the 28% affordability rule, the median income in Shamokin is sufficient to afford the median-priced home.
Monthly Payment Breakdown for Shamokin
Based on the median home price of $192,000 with 20% down ($38,400), here is what you can expect to pay monthly in Shamokin:
15-Year vs. 30-Year Mortgage in Shamokin
Choosing a 15-year mortgage in Shamokin at 5.95% instead of a 30-year at 6.71% would save you $124,560 in total interest over the life of the loan. However, your monthly payment would be $1,292 instead of $992 — an increase of $300 per month.
Calculate Your Shamokin 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 Shamokin
What are the current mortgage rates in Shamokin, PA?
As of March 2026, the average 30-year fixed mortgage rate in Shamokin, Pennsylvania is 6.71%, while the 15-year fixed rate is 5.95%. FHA loans average 6.48% and VA loans 6.23%. These rates are 0.06% above the national average of 6.65%.
How much is a monthly mortgage payment in Shamokin?
Based on the median home price of $192,000 with 20% down, the estimated monthly mortgage payment in Shamokin is $992 for principal and interest. Including property taxes of $222/month, the total monthly housing cost is approximately $1,214.
What income do I need to buy a home in Shamokin?
Using the 28% rule, you would need an annual income of approximately $52,029 to afford the median-priced home in Shamokin at $192,000. The median household income in Shamokin is $61,400. The median income is currently sufficient to meet this threshold.
Is Shamokin a good place to buy a home in 2026?
Shamokin offers a below-average cost of living with a cost of living index of 91 (national average = 100). The property tax rate in Pennsylvania is 1.39%, which is near the national average. Shamokin has a population of 7,057 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 Shamokin, Pennsylvania area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.