Mortgage Rates in York, Pennsylvania — March 2026
Updated March 2026 | Based on York market data and regional lending conditions
York is a growing city in Pennsylvania with a population of 44,747. The current 30-year fixed mortgage rate in York is 6.67%, which is 0.02% above the national average. With a median home price of $245,000 and a 20% down payment of $49,000, homebuyers can expect a monthly principal and interest payment of approximately $1,261.
Current Mortgage Rates in York, PA
Below are the current average mortgage rates available in the York 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 | 6.67% | 6.65% | +0.02% |
| 15-Year Fixed | 5.92% | 5.89% | +0.03% |
| 5/1 ARM | 6.2% | 6.15% | +0.05% |
| FHA | 6.46% | 6.25% | +0.21% |
| VA | 6.21% | 6.05% | +0.16% |
| Jumbo | 6.92% | 6.85% | +0.07% |
York Housing Market Overview
The York housing market offers relatively affordable housing compared to many major cities. The median household income in York is $58,500, and the cost of living index is 94.6 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $65,400 to comfortably afford the median-priced home in York, which exceeds the current median household income.
Monthly Payment Breakdown for York
Based on the median home price of $245,000 with 20% down ($49,000), here is what you can expect to pay monthly in York:
15-Year vs. 30-Year Mortgage in York
Choosing a 15-year mortgage in York at 5.92% instead of a 30-year at 6.67% would save you $157,680 in total interest over the life of the loan. However, your monthly payment would be $1,646 instead of $1,261 — an increase of $385 per month.
Calculate Your York 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 York
What are the current mortgage rates in York, PA?
As of March 2026, the average 30-year fixed mortgage rate in York, Pennsylvania is 6.67%, while the 15-year fixed rate is 5.92%. FHA loans average 6.46% and VA loans 6.21%. These rates are 0.02% above the national average of 6.65%.
How much is a monthly mortgage payment in York?
Based on the median home price of $245,000 with 20% down, the estimated monthly mortgage payment in York is $1,261 for principal and interest. Including property taxes of $265/month, the total monthly housing cost is approximately $1,526.
What income do I need to buy a home in York?
Using the 28% rule, you would need an annual income of approximately $65,400 to afford the median-priced home in York at $245,000. The median household income in York is $58,500. This means most households would need to either earn above the median or consider homes below $245,000.
Is York a good place to buy a home in 2026?
York offers a below-average cost of living with a cost of living index of 94.6 (national average = 100). The property tax rate in Pennsylvania is 1.3%, which is near the national average. York has a population of 44,747 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 York, Pennsylvania area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.