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Bethlehem

Compare Current Bethlehem, Pennsylvania Mortgage Rates

Compare Bethlehem, PA mortgage rates and fees from top lenders. 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 lowest 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.

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Bethlehem, PA Mortgage Rates as of May 23, 2022
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Data provided by Icanbuy, LLC. Payments do not include amounts for taxes and insurance premiums. Read through our lender table disclaimer for more information on rates and product details.
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Compare Today's Bethlehem, PA Mortgage Rates

May 23, 2022

Current mortgage rates in Bethlehem, PA are % for a 30 year fixed rate loan, % for a 15 year fixed loan and % for a 5/1 adjustable rate mortgage (ARM)

Mortgage Program
Today's
Bethlehem, PA Rates
National
Average
Comparison
30 Year Fixed Rate
%
5.250%
15 Year Fixed Rate
%
4.430%
5/1 Adjustable Rate Mortgage
%
4.080%

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 $284,456

Based on current mortgage rates and a 10% down payment, you need to make $46,607 per year to buy the median priced home in Bethlehem

With this income, you could qualify for a $256,010 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 $1,079

The median household income for Bethlehem, PA (Northampton County) is $80,339

Based on this income, you can afford a home valued at approximately $490,333

The home price you can afford to buy based on household income in Bethlehem is 172% of the median home value which means housing prices are average. Bethlehem (Northampton County) ranks 55 out of 67 counties in Pennsylvania and 2,262 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

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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: $647,200
2 units: $828,700
3 units: $1,001,650
4 units: $1,244,850

FHA loan limits for Bethlehem, PA

1 unit: $420,680
2 units: $538,650
3 units: $651,050
4 units: $809,150

VA loan limits for Bethlehem, PA

1 unit: $647,200

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