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Today's Mortgage Rates in Pennsylvania

Get a Lower rate in Pennsylvania whether you're buying, looking to get cash out of your home or lower your monthly mortgage payment.

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PA Mortgage Rate Insights

  • The 30-Year Conventional Mortgage rate is 6.250%.
  • The 30-Year Conventional Refinance rate is 6.375%.
  • Rates are current as of August 12, 2026.

Current Pennsylvania Mortgage Rates

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Mortgage Rates Trend in Pennsylvania

Historical rates shown for context only. See full disclosures below and current rates in the table above. View Legal Disclosures

What Affects Mortgage Interest Rates in Pennsylvania

Pennsylvania mortgage interest rates follow national lending markets rather than rates set by state borders. Your credit profile, loan structure, property details and other application factors can affect the pricing offered to you.

A mortgage quote in Philadelphia can differ from one for a property in rural Pennsylvania when the borrower, property or loan details change.

When comparing lenders, look at both the interest rate and the annual percentage rate, or APR. The interest rate is the percentage charged for borrowing the principal. APR is a broader annualized measure that includes the interest rate plus certain loan costs.

If you’re considering a replacement mortgage in Pennsylvania, compare Pennsylvania refinance rates with the terms of your existing loan.

Types of Mortgages Available in Pennsylvania

Pennsylvanians buying a home can choose among several mortgage structures, while the property's county determines how much a conventional one-unit mortgage can reach before moving into the jumbo category.

  • A conventional fixed-rate mortgage keeps the same interest rate for the full loan term.

  • FHA loans in Pennsylvania follow separate borrower and property requirements. FHA loan limits are set separately from conforming limits and are published county by county.

  • Eligible borrowers can compare Pennsylvania VA loan rates. VA financing follows its own borrower and property requirements.

  • USDA loans combine borrower qualification with property eligibility and may apply when you are buying in an eligible rural part of Pennsylvania.

  • An adjustable-rate mortgage can change after its initial rate period according to the loan terms.

  • A jumbo loan finances an amount above the conforming limit that applies to the property's county. Pennsylvania's county-level difference is covered below.

Buyers entering the market for the first time can compare first-time homebuyer loan options in Pennsylvania.

Mortgage insurance treatment varies by loan program, so include mortgage insurance requirements by loan type when estimating the full payment.

2026 Conforming and Jumbo Loan Limits in Pennsylvania

Pennsylvania has two one-unit conforming thresholds for 2026: $832,750 in 66 of its 67 counties and $1,209,750 in Pike County.

Pike County is the only county above the national baseline. Its $1,209,750 limit creates a jumbo threshold $377,000 higher than the threshold in the other 66 counties.

County 2026 one-unit conforming limit
Pike County $1,209,750

The Federal Housing Finance Agency, or FHFA, sets conforming loan limits annually. A one-unit mortgage above the limit that applies to the property falls into the jumbo category.

Buyers financing above the applicable threshold can compare Pennsylvania jumbo loan rates.

These are 2026 limits for one-unit properties. Limits for two-, three- and four-unit properties are higher. The FHFA publishes annual conforming loan limit values by county and property size.

FHA financing uses a separate county-level limit system. The VA does not impose a loan limit for eligible borrowers with full entitlement. Lenders may still apply their own underwriting and loan-size requirements.

Pennsylvania Mortgage Payment Examples By Rate

Pennsylvania's payment examples extend to a $1,200,000 mortgage. That amount is above the $832,750 baseline used in 66 counties and below the $1,209,750 limit in the state's one higher-cost county. Use the Pennsylvania mortgage payment calculator to test a different loan amount or other mortgage details.

Loan Amount 5.50% 5.75% 6.00% 6.25% 6.50%
$1,200,000 $6,813 $7,003 $7,195 $7,389 $7,585
$1,100,000 $6,246 $6,419 $6,595 $6,773 $6,953
$1,000,000 $5,678 $5,836 $5,996 $6,157 $6,321
$900,000 $5,110 $5,252 $5,396 $5,541 $5,689
$800,000 $4,542 $4,669 $4,796 $4,926 $5,057
$700,000 $3,975 $4,085 $4,197 $4,310 $4,424
$600,000 $3,407 $3,501 $3,597 $3,694 $3,792
$500,000 $2,839 $2,918 $2,998 $3,079 $3,160
$400,000 $2,271 $2,334 $2,398 $2,463 $2,528
$300,000 $1,703 $1,751 $1,799 $1,847 $1,896

The figures cover principal and interest only. Property taxes, homeowners insurance, mortgage insurance, association fees and other costs are not included.

Learn more about mortgage rates in Pennsylvania

Are there homebuyer assistance programs in Pennsylvania?

The Pennsylvania Housing Finance Agency provides information about available homebuyer programs, eligibility and application requirements.

What is the conforming loan limit in Pennsylvania for 2026?

The 2026 one-unit conforming limit is $832,750 in 66 of Pennsylvania's 67 counties. Pike County uses a $1,209,750 limit.

How can I get a lower mortgage rate?

How can I get a lower mortgage rate?Your credit profile, debt load and down payment can affect the pricing offered to you. Compare mortgage offers using APR as well as the interest rate. Temporary rate buydowns and seller concessions can also affect the cost or payment structure of a transaction. Compare the complete terms of the offers you receive.

How will property taxes and insurance in Pennsylvania
affect my mortgage payment?

Property taxes and homeowners insurance are usually collected monthly when your mortgage uses an escrow account. The lender holds those amounts until the bills are due, so the full monthly payment exceeds principal and interest alone. Review escrow requirements by loan type and property taxes by state and county when estimating these costs.

Loan Officers in Pennsylvania

Paul Berkobin

Paul Berkobin

Regional Manager, VP

NMLS ID# 133238

William Cullen

William Cullen

Loan Officer

NMLS ID# 107860

All Loan Officers in Pennsylvania

Find Out Why Pennsylvanians Love Lower

Don't take our word for it. We've got 50,000 five-star reviews and counting. Read what real customers have to say.
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5.0

Shonna and her team are excellent to work with . Everyone involved was punctial and quick to respond to any questions or concerns I had for them . I am very happy we decided to go with Shonna and her team of experienced professionals.

Timothy B.

Verified Customer

July 17, 2026

5.0

Sara is amazing! As a first-time home buyer, I was nervous and had so many questions, but she made the entire process much easier to understand. She is incredibly knowledgeable, patient, and always willing to share helpful tips and guidance. Sara took the time to explain every step, making sure I felt confident and informed throughout the journey. Her professionalism, expertise, and genuine care made all the difference. I highly recommend Sara to anyone looking to purchase a home, especially first-time buyers!

Robyn G.

Verified Customer

June 20, 2026

5.0

The Mortgage Doc is great at what he does he knows how to get you from trying to achieving, all you have one has to do is reach out to him.

Ayardie Y.

Verified Customer

July 25, 2026

5.0

Nikki, your communication and attention to detail, were great. it was a pleasurethat could have been a disaste. Thank you so muc!

John C.

Verified Customer

August 8, 2026

5.0

Joe Tishkoff was outstanding throughout my home purchase. He stepped into the transaction in the middle of the deal and was able to get everything back on track and successfully to the finish line. He was knowledgeable, responsive, and always available to answer my questions and explain every step of the process. I really appreciated his professionalism in making the loan happen despite the challenges. I would highly recommend Joe to anyone looking for a mortgage broker who truly goes the extra mile.

Kristina S.

Verified Customer

June 23, 2026

5.0

TJ is professpinal, knowledgeabl, and helpful. Working with TJ was a very pleasant experience.

Sarai G.

Verified Customer

June 29, 2026

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