Mortgage Rates in Williamsport, Pennsylvania — March 2026
Updated March 2026 | Based on Williamsport market data and regional lending conditions
Williamsport is a growing city in Pennsylvania with a population of 28,120. The current 30-year fixed mortgage rate in Williamsport is 6.47%, which is 0.18% below the national average. With a median home price of $145,000 and a 20% down payment of $29,000, homebuyers can expect a monthly principal and interest payment of approximately $731.
Current Mortgage Rates in Williamsport, PA
Below are the current average mortgage rates available in the Williamsport 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 | 6.47% | 6.65% | -0.18% |
| 15-Year Fixed | 5.71% | 5.89% | -0.18% |
| 5/1 ARM | 5.97% | 6.15% | -0.18% |
| FHA | 6.07% | 6.25% | -0.18% |
| VA | 5.87% | 6.05% | -0.18% |
| Jumbo | 6.67% | 6.85% | -0.18% |
Williamsport Housing Market Overview
The Williamsport housing market offers relatively affordable housing compared to many major cities. The median household income in Williamsport is $35,000, and the cost of living index is 84 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $39,000 to comfortably afford the median-priced home in Williamsport, which exceeds the current median household income.
Monthly Payment Breakdown for Williamsport
Based on the median home price of $145,000 with 20% down ($29,000), here is what you can expect to pay monthly in Williamsport:
15-Year vs. 30-Year Mortgage in Williamsport
Choosing a 15-year mortgage in Williamsport at 5.71% instead of a 30-year at 6.47% would save you $90,180 in total interest over the life of the loan. However, your monthly payment would be $961 instead of $731 — an increase of $230 per month.
Calculate Your Williamsport 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 Williamsport
What are the current mortgage rates in Williamsport, PA?
As of March 2026, the average 30-year fixed mortgage rate in Williamsport, Pennsylvania is 6.47%, while the 15-year fixed rate is 5.71%. FHA loans average 6.07% and VA loans 5.87%. These rates are 0.18% below the national average of 6.65%.
How much is a monthly mortgage payment in Williamsport?
Based on the median home price of $145,000 with 20% down, the estimated monthly mortgage payment in Williamsport is $731 for principal and interest. Including property taxes of $179/month, the total monthly housing cost is approximately $910.
What income do I need to buy a home in Williamsport?
Using the 28% rule, you would need an annual income of approximately $39,000 to afford the median-priced home in Williamsport at $145,000. The median household income in Williamsport is $35,000. This means most households would need to either earn above the median or consider homes below $145,000.
Is Williamsport a good place to buy a home in 2026?
Williamsport offers a below-average cost of living with a cost of living index of 84 (national average = 100). The property tax rate in Pennsylvania is 1.48%, which is near the national average. Williamsport has a population of 28,120 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 Williamsport, Pennsylvania area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.