Mortgage Rates in Harrisburg, Pennsylvania: 2026 Guide
30-year fixed: 7.32%. Median: $210,000.
Current Mortgage Rates in Harrisburg
| Loan Type | Rate | APR | Monthly* |
|---|---|---|---|
| 30-Year Fixed | 7.32% | 7.400% | $1,154/mo |
| 15-Year Fixed | 6.68% | 6.750% | $1,480/mo |
| 5/1 ARM | 6.46% | 6.810% | $1,057/mo |
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?+
How much down payment is needed in Harrisburg?+
What are property taxes in Harrisburg?+
What a $210,000 Home Costs in Harrisburg
At Harrisburg's median home price of $210,000, a 20% down payment is $42,000. On a 30-year fixed loan at 7.32%, the monthly principal and interest payment works out to $1,154, and property taxes add roughly $203 per month at an effective rate of 1.16%. That puts the total PITI payment near $1,357 a month before homeowners insurance and HOA fees.
Keeping housing at or below 28% of gross income means a buyer in Harrisburg typically needs to earn about $58,157 a year to carry this payment comfortably.
Tax & Rate Context in Harrisburg
The effective property tax rate in Harrisburg is 1.16%, which works out to roughly $2,436 a year on a median-priced home.The 30-year fixed rate used here is the national Freddie Mac PMMS average of 7.32%. Local quotes move with credit score, down payment and lender, so compare at least three offers. Harrisburg has an estimated population of 50K, and demand in the local market affects how quickly homes move and how often sellers negotiate on price.