Guide
How Pennsylvania buyers should use this benchmark
Pennsylvania borrowers should compare cash-to-close and APR because transfer taxes and local costs can differ by county and municipality.
Updated July 02, 2026
Mortgage Rates Today in Pennsylvania
Pennsylvania borrowers can use the national PMMS benchmark as a starting point, then adjust for property taxes, transfer taxes, and local closing costs.
Data source: Freddie Mac PMMS. Rates are planning benchmarks, not guaranteed lender offers.
Featured benchmark
6.43%APR 6.58%
Weekly PMMS benchmark for conforming purchase loans
Current rate table
Compare the weekly fixed-rate benchmark with a refinance planning estimate before requesting personalized quotes.
30-Year Fixed
Weekly PMMS benchmark for conforming purchase loans
Rate
6.43%
APR
6.58%
15-Year Fixed
Shorter term with lower lifetime interest
Rate
5.79%
APR
5.94%
Refinance Planning
Planning estimate based on the 30-year benchmark plus lender spread
Rate
6.58%
APR
6.73%
Calculator
Pennsylvania mortgage payment estimate
Estimate principal and interest with the current fixed-rate benchmark, then add local tax, insurance, and HOA assumptions for a full payment view.
Estimated monthly principal and interest
$1,631
Loan principal$260,000
Total interest$327,313
Total paid$587,313
Guide
What to verify with Pennsylvania lenders
Ask how transfer taxes, local charges, and lender credits are reflected in the loan estimate.
Frequently asked questions
Are Pennsylvania mortgage rates different from national rates?
They can be. National averages are useful benchmarks, but actual quotes vary by lender, borrower profile, loan size, property type, occupancy, points, and local market factors.
How many Pennsylvania mortgage quotes should I compare?
Compare at least three quotes on the same day, and review APR, lender fees, points, credits, lock period, and cash-to-close before choosing.
Related mortgage tools
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15-Year Fixed Mortgage Rates
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Refinance Rates Today
Compare refinance rate benchmarks and estimate whether refinancing could lower your monthly payment.
Refinance Calculator
Estimate refinance savings, break-even timing, and payment changes using current mortgage rate assumptions.