Mortgage Rates in Pennsylvania — April 2026
Compare current mortgage rates across 113 cities in Pennsylvania. The average 30-year fixed rate is 6.7%, which is 0.61% above the national average of 6.09%.
Pennsylvania Housing Highlights
All 113 Cities in Pennsylvania
| City | 30-Yr Rate | Home Price | Monthly P&I | Population |
|---|---|---|---|---|
| Philadelphia | 6.7% | $235,000 | $1,213 | 1,603,797 |
| Pittsburgh | 6.7% | $195,000 | $1,007 | 302,971 |
| Allentown | 6.7% | $195,000 | $1,007 | 126,092 |
| Reading | 6.7% | $115,000 | $594 | 95,112 |
| Erie | 6.7% | $115,000 | $594 | 94,831 |
| Upper Darby | 6.68% | $262,000 | $1,350 | 85,681 |
| Scranton | 6.7% | $135,000 | $697 | 76,997 |
| Bethlehem | 6.7% | $225,000 | $1,162 | 75,781 |
| Lower Merion | 6.64% | $225,000 | $1,154 | 63,988 |
| Bensalem | 6.61% | $219,000 | $1,120 | 62,434 |
| Lancaster | 6.74% | $254,000 | $1,317 | 59,322 |
| Abington | 6.78% | $223,000 | $1,161 | 56,538 |
| Bristol Township | 6.84% | $223,000 | $1,168 | 54,280 |
| Levittown | 6.64% | $258,000 | $1,324 | 52,983 |
| Harrisburg | 6.68% | $256,000 | $1,319 | 50,099 |
| Newport | 6.74% | $220,000 | $1,140 | 49,527 |
| Southmont | 6.74% | $265,000 | $1,374 | 49,511 |
| Haverford | 6.85% | $218,000 | $1,143 | 49,084 |
| Charleroi | 6.88% | $127,500 | $670 | 47,694 |
| White Haven | 6.61% | $295,000 | $1,509 | 46,483 |
| Birdsboro | 6.85% | $210,000 | $1,101 | 45,726 |
| Catawissa | 6.83% | $182,500 | $955 | 44,750 |
| York | 6.67% | $245,000 | $1,261 | 44,747 |
| Altoona | 6.73% | $251,000 | $1,300 | 43,193 |
| State College | 6.64% | $224,000 | $1,149 | 42,034 |
| Penn Hills | 6.65% | $251,000 | $1,289 | 41,535 |
| Wilkes-Barre | 6.74% | $224,000 | $1,161 | 40,569 |
| Manheim Township | 6.84% | $229,000 | $1,199 | 39,124 |
| Cheltenham | 6.78% | $212,000 | $1,103 | 37,126 |
| Norristown | 6.8% | $215,000 | $1,121 | 34,324 |
| Falls Township | 6.81% | $246,000 | $1,284 | 34,300 |
| Chester | 6.64% | $233,000 | $1,195 | 33,988 |
| Lower Makefield | 6.65% | $248,000 | $1,274 | 33,520 |
| Warminster | 6.82% | $240,000 | $1,254 | 33,475 |
| Mount Lebanon | 6.71% | $226,000 | $1,168 | 32,676 |
| Lower Allen | 6.61% | $260,000 | $1,330 | 32,343 |
| Cranberry Township | 6.82% | $249,000 | $1,301 | 32,100 |
| Lewistown | 6.84% | $220,000 | $1,152 | 31,848 |
| Wayne | 6.79% | $207,000 | $1,078 | 31,756 |
| Wellsboro | 6.6% | $230,000 | $1,175 | 31,536 |
| Radnor | 6.87% | $209,000 | $1,098 | 31,531 |
| Burnham | 6.74% | $240,000 | $1,244 | 31,460 |
| Ross Township | 6.61% | $252,000 | $1,289 | 31,105 |
| Upper Merion | 6.73% | $222,000 | $1,150 | 30,970 |
| Tredyffrin | 6.82% | $235,000 | $1,228 | 29,973 |
| Shaler | 6.63% | $252,000 | $1,292 | 28,757 |
| McCandless | 6.75% | $219,000 | $1,136 | 28,457 |
| Brownsville | 6.7% | $295,000 | $1,523 | 28,403 |
| Boalsburg | 6.84% | $280,000 | $1,466 | 28,398 |
| Whitehall Township | 6.66% | $237,000 | $1,218 | 28,338 |
| Lititz | 6.77% | $280,000 | $1,456 | 28,149 |
| Monessen | 6.71% | $235,000 | $1,214 | 28,138 |
| Williamsport | 6.47% | $145,000 | $731 | 28,120 |
| Drexel Hill | 6.75% | $211,000 | $1,095 | 28,043 |
| Easton | 6.51% | $235,000 | $1,189 | 28,037 |
| Monroeville | 6.78% | $242,000 | $1,260 | 27,845 |
| Hampden | 6.74% | $305,000 | $1,581 | 27,127 |
| Muncy | 6.77% | $192,500 | $1,001 | 26,669 |
| Horsham | 6.77% | $203,000 | $1,055 | 26,147 |
| Upper Dublin | 6.64% | $205,000 | $1,052 | 26,003 |
| Lebanon | 6.72% | $175,000 | $905 | 25,831 |
| Derry Township | 6.77% | $209,000 | $1,087 | 25,000 |
| Hazleton | 6.38% | $125,000 | $624 | 24,878 |
| Connellsville | 6.81% | $215,000 | $1,122 | 23,660 |
| Carnegie | 6.74% | $295,000 | $1,529 | 23,122 |
| Fox Chapel | 6.6% | $235,000 | $1,201 | 22,949 |
| Pottstown | 6.27% | $225,000 | $1,111 | 22,670 |
| King of Prussia | 6.8% | $210,000 | $1,095 | 22,274 |
| New Castle | 6.77% | $230,000 | $1,196 | 22,220 |
| South Williamsport | 6.83% | $225,000 | $1,177 | 21,724 |
| Ridgway | 6.71% | $185,000 | $956 | 21,434 |
| Taylor | 6.6% | $225,000 | $1,150 | 21,088 |
| Brentwood | 6.71% | $280,000 | $1,447 | 21,039 |
| Mahanoy City | 6.62% | $205,000 | $1,050 | 21,018 |
| Chambersburg | 6.03% | $225,000 | $1,082 | 21,017 |
| Waynesboro | 6.81% | $130,000 | $679 | 20,765 |
| Troy | 6.63% | $300,000 | $1,538 | 20,739 |
| West Chester | 6.38% | $395,000 | $1,973 | 20,500 |
| Murrysville | 6.71% | $226,000 | $1,168 | 20,068 |
| Harleysville | 6.61% | $270,000 | $1,381 | 19,984 |
| Dover | 6.68% | $305,000 | $1,571 | 19,935 |
| Baldwin | 6.71% | $233,000 | $1,204 | 19,767 |
| West Mifflin | 6.71% | $226,000 | $1,168 | 19,658 |
| Bethel Park | 6.74% | $220,000 | $1,140 | 19,500 |
| Hughesville | 6.65% | $285,000 | $1,464 | 19,228 |
| Carlisle | 6.74% | $217,000 | $1,125 | 19,226 |
| West York | 6.65% | $245,000 | $1,258 | 18,848 |
| Downingtown | 6.78% | $215,000 | $1,119 | 18,837 |
| Trooper | 6.85% | $165,000 | $865 | 18,512 |
| Johnstown | 6.82% | $195,000 | $1,019 | 18,507 |
| Lansdale | 6.67% | $201,000 | $1,034 | 18,071 |
| Hermitage | 6.63% | $196,000 | $1,005 | 15,748 |
| Hanover | 6.72% | $194,000 | $1,004 | 15,645 |
| Greensburg | 6.77% | $228,000 | $1,185 | 14,892 |
| Pottsville | 6.52% | $95,000 | $481 | 13,654 |
| Washington | 6.79% | $212,000 | $1,105 | 13,508 |
| Sharon | 6.71% | $235,000 | $1,214 | 13,116 |
| Indiana | 6.79% | $187,000 | $974 | 13,090 |
| Meadville | 6.3% | $105,000 | $520 | 12,935 |
| Emmaus | 6.88% | $231,000 | $1,215 | 11,313 |
| Wexford | 6.86% | $189,000 | $992 | 11,065 |
| Sunbury | 6.68% | $204,000 | $1,051 | 9,905 |
| Oil City | 6.83% | $209,000 | $1,093 | 9,750 |
| Warren | 6.88% | $217,000 | $1,141 | 9,255 |
| Quakertown | 6.68% | $208,000 | $1,072 | 8,979 |
| Doylestown | 6.74% | $445,000 | $2,306 | 8,357 |
| Conshohocken | 6.6% | $224,000 | $1,144 | 8,009 |
| Mount Joy | 6.64% | $194,000 | $995 | 7,985 |
| Gettysburg | 6.34% | $265,000 | $1,317 | 7,620 |
| Shamokin | 6.71% | $192,000 | $992 | 7,057 |
| Stroudsburg | 6.79% | $275,000 | $1,433 | 5,578 |
| Jim Thorpe | 6.34% | $225,000 | $1,119 | 4,630 |
| New Hope | 6.67% | $525,000 | $2,701 | 2,528 |
Pennsylvania Mortgage Rates Guide — 2026
Pennsylvania homebuyers currently see an average 30-year fixed mortgage rate of 6.7%, with median home prices around $227,473. At these rates, the typical monthly mortgage payment (principal and interest with 20% down) is $1,174.
The most affordable city for homebuyers in Pennsylvania is Pottsville, where the median home price is $95,000. On the other end, New Hope has the highest prices at $525,000. Property tax rates across the state average 1.43%.
To comfortably afford a home at the state average price, a household income of approximately $50,314 is recommended, following the standard guideline that housing costs should not exceed 28% of gross income.
Use our free loan calculator to see your exact monthly payments and amortization schedule, or browse individual city pages below for localized rate data and market insights.
Frequently Asked Questions — Pennsylvania Mortgages
What are current mortgage rates in Pennsylvania?
As of April 2026, the average 30-year fixed mortgage rate in Pennsylvania is 6.7% and the 15-year fixed rate averages 5.94%. Rates vary by city, lender, and borrower qualification.
What is the average home price in Pennsylvania?
The median home price across 113 cities in Pennsylvania is $227,473. Prices range from $95,000 in Pottsville to $525,000 in New Hope.
How much income do I need to buy a house in Pennsylvania?
Based on the 28% debt-to-income guideline, you would need a household income of approximately $50,314 to comfortably afford the average home in Pennsylvania. The median household income in the state is approximately $57,632.
Pennsylvania Mortgage Rates by ZIP Code
Explore mortgage rates for specific ZIP codes in Pennsylvania. Rates can vary by neighborhood based on local property values and lending conditions.
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