Mortgage Rates in Lewistown, Pennsylvania — March 2026
Updated March 2026 | Based on Lewistown market data and regional lending conditions
Lewistown is a smaller Pennsylvania community of 31,848 where the housing market reflects local economic conditions. The current 30-year fixed rate here is 6.84% (0.19% above the national average). The median home price of $220,000 translates to roughly $1,405/month with 20% down — requiring an income of about $60,214, which exceeds the local median of $53,500.
Current Mortgage Rates in Lewistown, PA
Below are the current average mortgage rates available in the Lewistown area as of March 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.84% | 6.65% | +0.19% |
| 15-Year Fixed | 6.06% | 5.89% | +0.17% |
| 5/1 ARM | 6.31% | 6.15% | +0.16% |
| FHA | 6.55% | 6.25% | +0.3% |
| VA | 6.3% | 6.05% | +0.25% |
| Jumbo | 7.09% | 6.85% | +0.24% |
Lewistown Housing Market Overview
At $220,000, Lewistown offers more affordable housing than most U.S. metros. The local cost of living index is 95.6 (100 = national average), and the median household income of $53,500 still requires careful budgeting at current rate levels.
Monthly Payment Breakdown for Lewistown
Based on the median home price of $220,000 with 20% down ($44,000), here is what you can expect to pay monthly in Lewistown:
15-Year vs. 30-Year Mortgage in Lewistown
Choosing a 15-year mortgage in Lewistown at 6.06% instead of a 30-year at 6.84% would save you $146,340 in total interest over the life of the loan. However, your monthly payment would be $1,491 instead of $1,152 — an increase of $339 per month.
Calculate Your Lewistown Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in Lewistown
What are the current mortgage rates in Lewistown, PA?
As of March 2026, the average 30-year fixed mortgage rate in Lewistown, Pennsylvania is 6.84%, while the 15-year fixed rate is 6.06%. FHA loans average 6.55% and VA loans 6.3%. These rates are 0.19% above the national average of 6.65%.
How much is a monthly mortgage payment in Lewistown?
Based on the median home price of $220,000 with 20% down, the estimated monthly mortgage payment in Lewistown is $1,152 for principal and interest. Including property taxes of $253/month, the total monthly housing cost is approximately $1,405.
What income do I need to buy a home in Lewistown?
Using the 28% rule, you would need an annual income of approximately $60,214 to afford the median-priced home in Lewistown at $220,000. The median household income in Lewistown is $53,500. This means most households would need to either earn above the median or consider homes below $220,000.
Is Lewistown a good place to buy a home in 2026?
Lewistown offers a below-average cost of living with a cost of living index of 95.6 (national average = 100). The property tax rate in Pennsylvania is 1.38%, which is near the national average. Lewistown has a population of 31,848 and offers a balanced lifestyle.
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Lewistown, Pennsylvania area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.