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Lender Tables
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Compare Current State College, Pennsylvania Mortgage Rates
Compare State College, 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 State College.
We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in State College. Plus, shopping lenders is free and there is no obligation.
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State College, PA Mortgage Rates as of July 26, 2025
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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Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Read through our lender table disclaimer for more information on rates and product details.
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Compare Today's State College, PA Mortgage Rates
July 26, 2025
Current mortgage rates in State College, 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 State College, PA Rates
National Average
Comparison
30 Year Fixed Rate
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6.670%
15 Year Fixed Rate
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5.960%
5/1 Adjustable Rate Mortgage
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6.250%
How Affordable is Housing in State College, Pennsylvania?
Below we provide helpful information on the real estate market, home prices and housing affordability in State College. Understand how much you need to earn to afford a home in State College, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in State College 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 State College is right for you.
The median home value for State College, PA (Centre County) is $292,038
Based on current mortgage rates and a 10% down payment, you need to make $60,924 per year to buy the median priced home in State College
With this income, you could qualify for a $262,834 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 State College is $1,411
The median household income for State College, PA (Centre County) is $67,764
Based on this income, you can afford a home valued at approximately $324,827
The home price you can afford to buy based on household income in State College is 111% of the median home value which means housing prices are average.
State College (Centre County) ranks 66 out of 67 counties in Pennsylvania and 2,659 out of 3,142 counties in the United States for housing affordability.
According to the FREEandCLEAR Housing Affordability Index, the housing market in State College, PA is average
Loan Limits for State College, Pennsylvania
Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for State College (Centre County) below.
Conforming loan limits for State College, PA
1 unit:$726,200
2 units:$929,850
3 units:$1,123,900
4 units:$1,396,800
FHA loan limits for State College, PA
1 unit:$472,030
2 units:$604,400
3 units:$730,525
4 units:$907,900
VA loan limits for State College, PA
1 unit:$726,200
Additional Mortgage Resources for State College, PA Residents