Northeastern Pennsylvania
Mortgage Rates
Rates below are national averages published daily from actual rate locks, not advertised teaser rates. We show them because the number changes the answer on every calculator on this site.
As of October 29, 2026
30-Year Fixed
Conforming, daily
15-Year Fixed
Conforming, daily
FHA 30-Year
Daily
VA 30-Year
Daily
Five Years of the 30-Year Fixed
Two instruments measuring the same thing. The daily line is computed from rate locks; the weekly line is Freddie Mac's lender survey, which is the figure the news quotes. They track closely and are not expected to match exactly.
What a Rate Move Does to Your Budget
At $2,000 a month in principal and interest, a 30-year loan:
| Rate | When | You Could Borrow |
|---|---|---|
| 3.146% | Five-year low, November 9, 2021 | $465,637 |
| 7.147% | Today | $296,207 |
| 7.83% | Five-year high, October 25, 2023 | $277,028 |
Principal and interest only. Property taxes, insurance, PMI and any HOA dues are on top, and in most of Luzerne and Lackawanna County the tax line is the one that moves a payment most. The calculators include them.
M = P × r(1+r)^n / ((1+r)^n - 1) r = annual rate / 12, n = 360 payments
Daily indices: Optimal Blue Mortgage Market Indices, retrieved from FRED, Federal Reserve Bank of St. Louis. Weekly average: Freddie Mac Primary Mortgage Market Survey, retrieved from FRED. Figures on this page were read from the published data on October 31, 2026. Rates are national averages, not quotes, and are not an offer of credit. Your rate depends on credit, loan-to-value, property type, occupancy and lender. This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis. FRED® API Terms of Use.