West Chester

Compare Current West Chester, Pennsylvania Mortgage Rates

Compare West Chester, 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 West Chester.

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

West Chester, 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.


Compare Today's West Chester, PA Mortgage Rates

May 23, 2022

Current mortgage rates in West Chester, 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
West Chester, PA Rates
30 Year Fixed Rate
15 Year Fixed Rate
5/1 Adjustable Rate Mortgage

How Affordable is Housing in West Chester, Pennsylvania?

Below we provide helpful information on the real estate market, home prices and housing affordability in West Chester. Understand how much you need to earn to afford a home in West Chester, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in West Chester 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 West Chester is right for you.

The median home value for West Chester, PA (Chester County) is $458,574

Based on current mortgage rates and a 10% down payment, you need to make $75,135 per year to buy the median priced home in West Chester

With this income, you could qualify for a $412,716 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 West Chester is $1,740

The median household income for West Chester, PA (Chester County) is $110,266

Based on this income, you can afford a home valued at approximately $672,987

The home price you can afford to buy based on household income in West Chester is 147% of the median home value which means housing prices are average. West Chester (Chester County) ranks 65 out of 67 counties in Pennsylvania and 2,636 out of 3,142 counties in the United States for housing affordability.

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


Loan Limits for West Chester, Pennsylvania

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

Conforming loan limits for West Chester, PA

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

FHA loan limits for West Chester, PA

1 unit: $477,250
2 units: $610,950
3 units: $738,500
4 units: $917,800

VA loan limits for West Chester, PA

1 unit: $647,200

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