Pennsylvania mortgage rates and costs by county, 2025
Median figures from closed, first-lien, owner-occupied home loans reported under HMDA. Each county page breaks the numbers down by lender. Counties with fewer than 5 qualifying loans are not listed; see the methodology.
| County | Purchase loans | Median rate | Median total costs | Refinance rate |
|---|---|---|---|---|
| Allegheny County | 10,076 | 6.5% | $5,932 | 6.49% |
| Philadelphia County | 9,903 | 6.5% | $6,897 | 6.25% |
| Montgomery County | 7,228 | 6.5% | $7,347 | 6.125% |
| Bucks County | 5,074 | 6.5% | $7,319 | 6.25% |
| Chester County | 5,021 | 6.5% | $7,496 | 6.125% |
| York County | 4,933 | 6.575% | $6,744 | 6.24% |
| Delaware County | 4,443 | 6.5% | $7,419 | 6.25% |
| Lancaster County | 4,227 | 6.525% | $6,499 | 6.25% |
| Berks County | 3,430 | 6.625% | $7,097 | 6.25% |
| Westmoreland County | 3,125 | 6.5% | $5,827 | 6.49% |
| Lehigh County | 2,978 | 6.624% | $6,814 | 6.125% |
| Northampton County | 2,682 | 6.625% | $6,912 | 6.25% |
| Cumberland County | 2,583 | 6.5% | $6,546 | 6.245% |
| Dauphin County | 2,464 | 6.5% | $6,137 | 6.25% |
| Luzerne County | 2,403 | 6.625% | $6,682 | 6.375% |
| Butler County | 2,183 | 6.5% | $6,361 | 6.375% |
| Washington County | 1,958 | 6.5% | $6,221 | 6.375% |
| Erie County | 1,946 | 6.625% | $5,473 | 6.374% |
| Franklin County | 1,613 | 6.5% | $6,580 | 5.99% |
| Beaver County | 1,565 | 6.5% | $5,660 | 6.5% |
| Lackawanna County | 1,471 | 6.625% | $6,418 | 6.25% |
| Monroe County | 1,467 | 6.625% | $7,207 | 6.25% |
| Lebanon County | 1,256 | 6.575% | $6,826 | 6.14% |
| Adams County | 1,094 | 6.625% | $6,724 | 6.25% |
| Schuylkill County | 1,076 | 6.625% | $6,239 | 6.25% |
| Centre County | 979 | 6.375% | $5,701 | 6.125% |
| Cambria County | 884 | 6.5% | $4,658 | 6.49% |
| Blair County | 852 | 6.5% | $5,185 | 6.49% |
| Lycoming County | 822 | 6.5% | $5,131 | 5.99% |
| Fayette County | 789 | 6.49% | $5,246 | 5.99% |
| Mercer County | 783 | 6.625% | $5,528 | 6.375% |
| Pike County | 757 | 6.6% | $7,135 | 6.25% |
| Lawrence County | 677 | 6.52% | $5,355 | 6.625% |
| Carbon County | 646 | 6.625% | $6,677 | 6.15% |
| Clearfield County | 560 | 6.5% | $4,765 | 6.5% |
| Northumberland County | 511 | 6.625% | $5,554 | 6.25% |
| Crawford County | 499 | 6.625% | $4,962 | 6.5% |
| Indiana County | 497 | 6.625% | $5,193 | 6.5% |
| Columbia County | 454 | 6.625% | $5,672 | 6.25% |
| Somerset County | 446 | 6.388% | $5,082 | 6.375% |
| Bradford County | 428 | 6.625% | $5,603 | 6.25% |
| Armstrong County | 414 | 6.625% | $5,760 | 6.49% |
| Wayne County | 410 | 6.625% | $6,883 | 6.49% |
| Perry County | 370 | 6.5% | $6,170 | 6.25% |
| Bedford County | 299 | 6.49% | $5,354 | 6.375% |
| Venango County | 290 | 6.624% | $5,278 | 6.49% |
| Clinton County | 285 | 6.624% | $5,324 | 5.99% |
| Mifflin County | 280 | 6.5% | $4,850 | 6.5% |
| Jefferson County | 275 | 6.5% | $4,393 | 6.5% |
| Susquehanna County | 259 | 6.5% | $5,571 | 6.133% |
| Warren County | 250 | 6.5% | $4,679 | 6.375% |
| Union County | 243 | 6.625% | $6,520 | 6.25% |
| Tioga County | 240 | 6.5% | $4,882 | 6.25% |
| Huntingdon County | 235 | 6.495% | $4,881 | 6.625% |
| Clarion County | 218 | 6.5% | $5,590 | 6.5% |
| Greene County | 206 | 6.375% | $5,011 | 6.55% |
| Elk County | 190 | 6.5% | $4,806 | 6.49% |
| Snyder County | 180 | 6.54% | $5,524 | 6.49% |
| McKean County | 168 | 6.625% | $4,691 | 6.375% |
| Wyoming County | 160 | 6.625% | $5,425 | 6.438% |
| Montour County | 157 | 6.5% | $5,375 | 6.375% |
| Juniata County | 121 | 6.5% | $4,994 | 6.375% |
| Fulton County | 98 | 6.5% | $5,828 | 6.3% |
| Potter County | 91 | 6.75% | $5,002 | 6.5% |
| Sullivan County | 32 | 6.69% | $4,840 | 6.749% |
| Forest County | 22 | 6.75% | $5,172 | 5.938% |
| Cameron County | 14 | 6.25% | $3,588 | 6.875% |
Purchase loans sorted by loan count. Medians describe what closed loans looked like, under those borrowers' profiles and loan sizes; they are not quotes. Source: FFIEC HMDA Modified LAR, filing year 2025.