Mortgage Rates in Harrisburg, Pennsylvania: 2026 Guide
30-year fixed: 6.71%. Median: $210,000.
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Current Mortgage Rates in Harrisburg
| Loan Type | Rate | APR | Monthly* |
|---|---|---|---|
| 30-Year Fixed | 6.71% | 6.790% | $1,085/mo |
| 15-Year Fixed | 6.19% | 6.260% | $1,435/mo |
| 5/1 ARM | 6.09% | 6.440% | $1,017/mo |
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6.71%
Avg 30yr Rate
$210,000
Median Home Price
50K
Population
1.58%
Property Tax
Harrisburg Market Insights
Harrisburg provides one of the most affordable housing markets in the Northeast. The state capital offers stable government employment, and the cost of living is well below the national average. The housing market is steady with modest, sustainable appreciation, making it an attractive option for first-time buyers.
Frequently Asked Questions
What is the average mortgage rate in Harrisburg?+
The average 30-year fixed rate in Harrisburg is 6.71%.
Is Harrisburg affordable?+
Very. Median home price: $210,000. 20% down: $42,000. Monthly P&I: $1,085.
What are property taxes?+
PA rate: 1.58%. Annual taxes: $3,318.