Current Mortgage Rates in Bethlehem, Pennsylvania

Compare mortgage rates and fees for leading lenders in Bethlehem, PA. Review free, personalized mortgage rates based on your specifc loan amount, program and other factors. Easily compare APRs, closing costs and monthly payments to find the lender offering the best mortgage rates in Bethlehem.

We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in Bethlehem. Plus, shopping lenders is free and there is no obligation.

Mortgage Rates in Bethlehem, PA as of October 1, 2020
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Data provided by Brown Bag Marketing, Inc. Payments do not include amounts for taxes and insurance premiums. Read through our lender table disclaimer for more on rates and product details.


How Do Today's Bethlehem, PA Mortgage Rates Compare?

October 1, 2020

The current average rate for a 30 year fixed rate mortgage in Bethlehem is A.AAA%, the rate for a 15 year fixed rate mortgage is B.BBB% and the rate for a 5/1 adjustable rate mortgage (ARM) is C.CCC%

Mortgage Program
Bethlehem, PA Rates
30 Year Fixed Rate
15 Year Fixed Rate
5/1 Adjustable Rate Mortgage

How Affordable is Housing in Bethlehem, Pennsylvania?

Below we provide helpful information on the real estate market, home prices and housing affordability in Bethlehem. Understand how much you need to earn to afford a home in Bethlehem, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Bethlehem fits your budget. This information is based on proprietary analysis you can only find on FREEandCLEAR and we offer it to help you decide if living in Bethlehem is right for you.

The median home value for Bethlehem, PA (Northampton County) is $237,523

Based on current mortgage rates and a 10% down payment, you need to make $42,748 per year to buy the median priced home in Bethlehem

With this income, you could qualify for a $213,771 mortgage, assuming your monthly debt expense is reasonable

Based on this loan amount, the monthly mortgage payment required to buy the median priced home in Bethlehem is $990

The median household income for Bethlehem, PA (Northampton County) is $68,963

Based on this income, you can afford a home valued at approximately $383,183

The home price you can afford to buy based on household income in Bethlehem is 161% of the median home value which means housing prices are average. Bethlehem (Northampton County) ranks 58 out of 67 counties in Pennsylvania and 2,330 out of 3,142 counties in the United States for housing affordability.

According to the FREEandCLEAR Housing Affordability Index, the housing market in Bethlehem, PA is average


Loan Limits for Bethlehem, Pennsylvania

Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Bethlehem (Northampton County) below.

Conforming loan limits for Bethlehem, PA

1 unit: $510,400
2 units: $653,550
3 units: $789,950
4 units: $981,700

FHA loan limits for Bethlehem, PA

1 unit: $372,600
2 units: $477,000
3 units: $576,550
4 units: $716,550

VA loan limits for Bethlehem, PA

1 unit: $510,400

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