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Compare Current Scranton, Pennsylvania Mortgage Rates
Compare Scranton, 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 Scranton.
We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in Scranton. Plus, shopping lenders is free and there is no obligation.
Loan terms assume conforming mortgage amount on single family residence, 80% LTV ratio and minimum borrower credit score of 740. $150,000 minimum mortgage amount. Borrower is responsible for $1,055 lender fee. Loan terms are subject to change without notice.
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Compare Today's Scranton, PA Mortgage Rates
July 14, 2025
Current mortgage rates in Scranton, 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 Scranton, PA Rates
National Average
Comparison
30 Year Fixed Rate
%
6.670%
15 Year Fixed Rate
%
5.960%
5/1 Adjustable Rate Mortgage
%
6.250%
How Affordable is Housing in Scranton, Pennsylvania?
Below we provide helpful information on the real estate market, home prices and housing affordability in Scranton. Understand how much you need to earn to afford a home in Scranton, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Scranton 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 Scranton is right for you.
The median home value for Scranton, PA (Lackawanna County) is $195,733
Based on current mortgage rates and a 10% down payment, you need to make $40,833 per year to buy the median priced home in Scranton
With this income, you could qualify for a $176,160 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 Scranton is $946
The median household income for Scranton, PA (Lackawanna County) is $63,043
Based on this income, you can afford a home valued at approximately $302,197
The home price you can afford to buy based on household income in Scranton is 154% of the median home value which means housing prices are average.
Scranton (Lackawanna County) ranks 38 out of 67 counties in Pennsylvania and 1,763 out of 3,142 counties in the United States for housing affordability.
According to the FREEandCLEAR Housing Affordability Index, the housing market in Scranton, PA is average
Loan Limits for Scranton, Pennsylvania
Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Scranton (Lackawanna County) below.
Conforming loan limits for Scranton, PA
1 unit:$726,200
2 units:$929,850
3 units:$1,123,900
4 units:$1,396,800
FHA loan limits for Scranton, PA
1 unit:$472,030
2 units:$604,400
3 units:$730,525
4 units:$907,900
VA loan limits for Scranton, PA
1 unit:$726,200
Additional Mortgage Resources for Scranton, PA Residents