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Compare Current Upper Darby, Pennsylvania Mortgage Rates
Compare Upper Darby, 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 Upper Darby.
We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in Upper Darby. Plus, shopping lenders is free and there is no obligation.
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Upper Darby, 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 Upper Darby, PA Mortgage Rates
July 26, 2025
Current mortgage rates in Upper Darby, 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 Upper Darby, 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 Upper Darby, Pennsylvania?
Below we provide helpful information on the real estate market, home prices and housing affordability in Upper Darby. Understand how much you need to earn to afford a home in Upper Darby, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Upper Darby 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 Upper Darby is right for you.
The median home value for Upper Darby, PA (Delaware County) is $314,971
Based on current mortgage rates and a 10% down payment, you need to make $65,708 per year to buy the median priced home in Upper Darby
With this income, you could qualify for a $283,474 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 Upper Darby is $1,522
The median household income for Upper Darby, PA (Delaware County) is $79,362
Based on this income, you can afford a home valued at approximately $380,421
The home price you can afford to buy based on household income in Upper Darby is 121% of the median home value which means housing prices are average.
Upper Darby (Delaware County) ranks 62 out of 67 counties in Pennsylvania and 2,492 out of 3,142 counties in the United States for housing affordability.
According to the FREEandCLEAR Housing Affordability Index, the housing market in Upper Darby, PA is average
Loan Limits for Upper Darby, Pennsylvania
Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Upper Darby (Delaware County) below.
Conforming loan limits for Upper Darby, PA
1 unit:$726,200
2 units:$929,850
3 units:$1,123,900
4 units:$1,396,800
FHA loan limits for Upper Darby, PA
1 unit:$529,000
2 units:$677,200
3 units:$818,600
4 units:$1,017,300
VA loan limits for Upper Darby, PA
1 unit:$726,200
Additional Mortgage Resources for Upper Darby, PA Residents