Mortgage Rates in Upper Darby, Pennsylvania — March 2026
Updated March 2026 | Based on Upper Darby market data and regional lending conditions
Upper Darby is a growing city in Pennsylvania with a population of 85,681. The current 30-year fixed mortgage rate in Upper Darby is 6.68%, which is 0.03% above the national average. With a median home price of $262,000 and a 20% down payment of $52,400, homebuyers can expect a monthly principal and interest payment of approximately $1,350.
Current Mortgage Rates in Upper Darby, PA
Below are the current average mortgage rates available in the Upper Darby 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 | 6.68% | 6.65% | +0.03% |
| 15-Year Fixed | 5.94% | 5.89% | +0.05% |
| 5/1 ARM | 6.21% | 6.15% | +0.06% |
| FHA | 6.47% | 6.25% | +0.22% |
| VA | 6.22% | 6.05% | +0.17% |
| Jumbo | 6.93% | 6.85% | +0.08% |
Upper Darby Housing Market Overview
The Upper Darby housing market offers relatively affordable housing compared to many major cities. The median household income in Upper Darby is $64,900, and the cost of living index is 94.5 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $70,500 to comfortably afford the median-priced home in Upper Darby, which exceeds the current median household income.
Monthly Payment Breakdown for Upper Darby
Based on the median home price of $262,000 with 20% down ($52,400), here is what you can expect to pay monthly in Upper Darby:
15-Year vs. 30-Year Mortgage in Upper Darby
Choosing a 15-year mortgage in Upper Darby at 5.94% instead of a 30-year at 6.68% would save you $168,840 in total interest over the life of the loan. However, your monthly payment would be $1,762 instead of $1,350 — an increase of $412 per month.
Calculate Your Upper Darby 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 Upper Darby
What are the current mortgage rates in Upper Darby, PA?
As of March 2026, the average 30-year fixed mortgage rate in Upper Darby, Pennsylvania is 6.68%, while the 15-year fixed rate is 5.94%. FHA loans average 6.47% and VA loans 6.22%. These rates are 0.03% above the national average of 6.65%.
How much is a monthly mortgage payment in Upper Darby?
Based on the median home price of $262,000 with 20% down, the estimated monthly mortgage payment in Upper Darby is $1,350 for principal and interest. Including property taxes of $295/month, the total monthly housing cost is approximately $1,645.
What income do I need to buy a home in Upper Darby?
Using the 28% rule, you would need an annual income of approximately $70,500 to afford the median-priced home in Upper Darby at $262,000. The median household income in Upper Darby is $64,900. This means most households would need to either earn above the median or consider homes below $262,000.
Is Upper Darby a good place to buy a home in 2026?
Upper Darby offers a below-average cost of living with a cost of living index of 94.5 (national average = 100). The property tax rate in Pennsylvania is 1.35%, which is near the national average. Upper Darby has a population of 85,681 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 Upper Darby, Pennsylvania area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.