Mortgage Rates in Stroudsburg, Pennsylvania — March 2026
Updated March 2026 | Based on Stroudsburg market data and regional lending conditions
Stroudsburg is a growing city in Pennsylvania with a population of 5,578. The current 30-year fixed mortgage rate in Stroudsburg is 6.79%, which is 0.14% above the national average. With a median home price of $275,000 and a 20% down payment of $55,000, homebuyers can expect a monthly principal and interest payment of approximately $1,433.
Current Mortgage Rates in Stroudsburg, PA
Below are the current average mortgage rates available in the Stroudsburg 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 | 6.79% | 6.65% | +0.14% |
| 15-Year Fixed | 6.03% | 5.89% | +0.14% |
| 5/1 ARM | 6.29% | 6.15% | +0.14% |
| FHA | 6.39% | 6.25% | +0.14% |
| VA | 6.19% | 6.05% | +0.14% |
| Jumbo | 6.99% | 6.85% | +0.14% |
Stroudsburg Housing Market Overview
The Stroudsburg housing market offers relatively affordable housing compared to many major cities. The median household income in Stroudsburg is $42,000, and the cost of living index is 92 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $76,029 to comfortably afford the median-priced home in Stroudsburg, which exceeds the current median household income.
Monthly Payment Breakdown for Stroudsburg
Based on the median home price of $275,000 with 20% down ($55,000), here is what you can expect to pay monthly in Stroudsburg:
15-Year vs. 30-Year Mortgage in Stroudsburg
Choosing a 15-year mortgage in Stroudsburg at 6.03% instead of a 30-year at 6.79% would save you $181,080 in total interest over the life of the loan. However, your monthly payment would be $1,860 instead of $1,433 — an increase of $427 per month.
Calculate Your Stroudsburg 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 Stroudsburg
What are the current mortgage rates in Stroudsburg, PA?
As of March 2026, the average 30-year fixed mortgage rate in Stroudsburg, Pennsylvania is 6.79%, while the 15-year fixed rate is 6.03%. FHA loans average 6.39% and VA loans 6.19%. These rates are 0.14% above the national average of 6.65%.
How much is a monthly mortgage payment in Stroudsburg?
Based on the median home price of $275,000 with 20% down, the estimated monthly mortgage payment in Stroudsburg is $1,433 for principal and interest. Including property taxes of $341/month, the total monthly housing cost is approximately $1,774.
What income do I need to buy a home in Stroudsburg?
Using the 28% rule, you would need an annual income of approximately $76,029 to afford the median-priced home in Stroudsburg at $275,000. The median household income in Stroudsburg is $42,000. This means most households would need to either earn above the median or consider homes below $275,000.
Is Stroudsburg a good place to buy a home in 2026?
Stroudsburg offers a below-average cost of living with a cost of living index of 92 (national average = 100). The property tax rate in Pennsylvania is 1.49%, which is near the national average. Stroudsburg has a population of 5,578 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 Stroudsburg, Pennsylvania area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.