Pennsylvania Mortgage Rates (2026)
Current average mortgage rates, median home prices, and top lenders in Pennsylvania. Rates apply to primary residence purchases with good credit (740+).
30yr Fixed
7.02%
Avg APR
15yr Fixed
6.42%
Avg APR
Median Price
$285,000
Median home
Monthly P&I
$1,520
30yr at 80% LTV
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Top Mortgage Lenders in Pennsylvania
1
Get RateRocket Mortgage
Online convenience
30yr Fixed
7%
15yr Fixed
6.4%
Min Down
3%
2
Get RateChase
Existing customers
30yr Fixed
6.9%
15yr Fixed
6.3%
Min Down
3%
3
Get RateWells Fargo
Branch access
30yr Fixed
7.1%
15yr Fixed
6.5%
Min Down
3%
4
Get RateBank of America
Preferred Rewards
30yr Fixed
7%
15yr Fixed
6.4%
Min Down
3%
5
Get RateloanDepot
Low down payment
30yr Fixed
6.9%
15yr Fixed
6.3%
Min Down
3%
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First-Time Buyer Programs in Pennsylvania
- ✓PHFA Keystone Home Loan
- ✓PHFA Keystone Advantage Assistance
- ✓HOMEstead Down Payment Assistance
Mortgage Requirements in Pennsylvania
- •Min 660 credit score for PHFA programs
- •Income and purchase price limits by county
- •Homebuyer education required
Pennsylvania Housing Market Facts
Philadelphia and Pittsburgh are the two major markets with different pricing tiers.
PHFA Keystone provides competitive rates statewide.
Transfer taxes can be 1-4% of purchase price depending on municipality.
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