- Rate as of 6/22/26
- 5.375%
- APR
- 5.564%Points: 1.49
- Monthly payment
- $2,066Upfront costs: $7,1838 year cost: $155,315
- Customer score
Pennsylvania mortgage and refinance rates for June 2026
On Monday, June 22, 2026, the national average 30-year fixed mortgage APR is 6.59%. The national average 30-year fixed refinance APR is 6.79%, according to Bankrate's latest survey of the nation's largest mortgage lenders.
Pennsylvania mortgage and refinance rates today
Showing results for: Single-family home, 30 year fixed and 5 year ARM mortgages with all points options.
The listings that appear on this page are from companies from which this website receives compensation.
- Rate as of 6/22/26
- 5.498%
- APR
- 5.693%Points: 1.718
- Monthly payment
- $2,089Upfront costs: $7,8168 year cost: $159,910
- Customer score
- Rate as of 6/22/26
- 5.498%
- APR
- 5.709%Points: 1.745
- Monthly payment
- $2,089Upfront costs: $8,4178 year cost: $160,140
- Customer score
- Rate as of 6/22/26
- 5.750%
- APR
- 5.881%Points: 1.406
- Monthly payment
- $2,148Upfront costs: $6,1888 year cost: $165,659
- Customer score
- Rate as of 6/22/26
- 5.750%
- APR
- 5.954%Points: 1.856
- Monthly payment
- $2,148Upfront costs: $8,0258 year cost: $167,496
- Customer score
- Rate as of 6/22/26
- 5.875%
- APR
- 6.065%Points: 1.765
- Monthly payment
- $2,177Upfront costs: $7,4458 year cost: $170,584
- Customer score
- Rate as of 6/22/26
- 5.875%
- APR
- 6.136%Points: 1.813
- Monthly payment
- $2,177Upfront costs: $10,1728 year cost: $173,310
- Customer score
- Rate as of 6/22/26
- 6.240%
- APR
- 6.493%Points: 1.946
- Monthly payment
- $2,264Upfront costs: $9,6618 year cost: $183,012
- Customer score
- Rate as of 6/22/26
- 6.500%
- APR
- 6.777%Points: 2
- Monthly payment
- $2,326Upfront costs: $10,3608 year cost: $191,914
- Customer score
- Rate as of 6/22/26
- 5.498%
- APR
- 6.137%Points: 1.756
- Monthly payment
- $2,089Upfront costs: $8,4578 year cost: $165,245
- Customer score
- Rate as of 6/22/26
- 5.125%
- APR
- 6.059%Points: 1.912
- Monthly payment
- $2,004Upfront costs: $8,0508 year cost: $173,425
- Customer score
- Rate as of 6/22/26
- 5.375%
- APR
- 6.178%Points: 1.742
- Monthly payment
- $2,061Upfront costs: $7,6058 year cost: $177,818
- Customer score
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Current mortgage rates in Pennsylvania
As of Monday, June 22, 2026, current interest rates in Pennsylvania are 6.71% for a 30-year fixed mortgage and 6.02% for a 15-year fixed mortgage.
After topping out around 8% in October 2023, mortgage rates in Pennsylvania and across the country have decreased, but still remain well above pandemic-era lows. While they started 2026 around 6.25%, rates for 30-year fixed mortgages have risen recently amid economic instability. Experts expect mortgage rates to remain mostly in the 6% range throughout 2026.
Refinance rates in Pennsylvania
With mortgage refinance rates, like mortgage rates, predicted to remain above 6% in 2026, those who locked in a historically low rate during the pandemic are unlikely to refinance now. However, for Pennsylvanians who took out mortgages in late 2023, when rates were around 8%, this might be a good time to refinance.
And if you have a big expense coming up and you’d like to use equity to pay for it, rising home values may be on your side. About 48 million U.S. homeowners have access to home equity, with an average of $207,000 in tappable equity available, according to the May 2026 ICE Mortgage Monitor report. With a cash-out refinance, you could take advantage of this asset to help further your financial goals.
Pennsylvania mortgage rates by loan type
| Product | Interest Rate |
|---|---|
| 30-Year Fixed Rate | 6.71% |
| 15-Year Fixed Rate | 6.02% |
| 30-Year Fixed Rate Jumbo | 6.83% |
| 3/1 ARM Rate | 0.00% |
| 7/1 ARM Rate | 0.00% |
Rates as of Monday, June 22, 2026 at 6:30 AM
Mortgage options in Pennsylvania
If you’re looking to get a mortgage in Pennsylvania, here are some of your options:
First-time homebuyer programs in Pennsylvania
The Pennsylvania Housing Finance Agency (PHFA), the state’s housing finance authority, helps eligible homebuyers obtain more affordable loans from approved lenders. You might qualify for:
- The HFA Preferred (Lo MI) loan is a conventional loan with lower-cost private mortgage insurance (PMI is generally required if your down payment is less than 20% of the purchase price). The program is open to all types of homebuyers with no purchase price limits, but you’ll need to put at least $1,000 of your own money toward the down payment.
- The Keystone Home loan program serves first-time homebuyers, discharged veterans of the armed forces and buyers of homes in targeted Pennsylvania counties. You can qualify with multiple different loan types, including conventional and government-backed loans. Each type of loan has different requirements.
- The Keystone Government loan is either an FHA loan, a VA loan or a USDA loan. You don’t have to be a first-time homebuyer to apply for this program.
- The Keystone Flex with K-FIT loan combines the Keystone Home loan with a K-FIT (Keystone Forgivable in Ten Years) loan for down payment and closing cost assistance. The K-FIT loan offers 5% of the lower of the purchase price or the appraised value in cash. The loan is forgivable over 10 years, with 10% forgiven annually.
- The Keystone Flex Purchase and Improvement with a K-FIT loan is the same as the above program, except that it’s for buyers purchasing a home that needs renovations. You may qualify for up to $30,000 above the purchase price to renovate the home.
How to find the best mortgage rate in Pennsylvania for you
-
Strengthen your credit score
Long before you start looking for a mortgage lender or apply for a loan, give your finances a check-up. This will give you time to improve your credit, if necessary.
-
Determine your budget
To find the right mortgage, you’ll need a good handle on how much house you can afford.
-
Know your mortgage options
Your budget and financial situation will help you decide between a conventional or government-backed loan, or whether you need down payment assistance.
-
Compare rates and terms from several lenders
Compare rates and terms from at least three different banks or mortgage companies. Here's how to shop for and compare mortgage offers.
-
Get preapproved for a mortgage
Getting a mortgage preapproval is the only way to get accurate loan pricing for your specific situation. Plus, it shows sellers you’re a serious buyer.
Additional Pennsylvania mortgage resources
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