Mortgage Rates in Muncy, Pennsylvania — March 2026
Updated March 2026 | Based on Muncy market data and regional lending conditions
Muncy is a smaller Pennsylvania community of 26,669 where home prices remain well below the national median, making homeownership more attainable. The current 30-year fixed rate here is 6.77% (0.12% above the national average). At a median home price of $192,500, the estimated $1,296/month payment (with 20% down) is affordable on the local median income of $71,000.
Current Mortgage Rates in Muncy, PA
Below are the current average mortgage rates available in the Muncy 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 | 6.77% | 6.65% | +0.12% |
| 15-Year Fixed | 6% | 5.89% | +0.11% |
| 5/1 ARM | 6.26% | 6.15% | +0.11% |
| FHA | 6.51% | 6.25% | +0.26% |
| VA | 6.26% | 6.05% | +0.21% |
| Jumbo | 7.02% | 6.85% | +0.17% |
Muncy Housing Market Overview
At $192,500, Muncy offers more affordable housing than most U.S. metros. The local cost of living index is 101.6 (100 = national average), and the median household income of $71,000 provides comfortable purchasing power in this market.
Monthly Payment Breakdown for Muncy
Based on the median home price of $192,500 with 20% down ($38,500), here is what you can expect to pay monthly in Muncy:
15-Year vs. 30-Year Mortgage in Muncy
Choosing a 15-year mortgage in Muncy at 6% instead of a 30-year at 6.77% would save you $126,360 in total interest over the life of the loan. However, your monthly payment would be $1,300 instead of $1,001 — an increase of $299 per month.
Calculate Your Muncy 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 Muncy
What are the current mortgage rates in Muncy, PA?
As of March 2026, the average 30-year fixed mortgage rate in Muncy, Pennsylvania is 6.77%, while the 15-year fixed rate is 6%. FHA loans average 6.51% and VA loans 6.26%. These rates are 0.12% above the national average of 6.65%.
How much is a monthly mortgage payment in Muncy?
Based on the median home price of $192,500 with 20% down, the estimated monthly mortgage payment in Muncy is $1,001 for principal and interest. Including property taxes of $295/month, the total monthly housing cost is approximately $1,296.
What income do I need to buy a home in Muncy?
Using the 28% rule, you would need an annual income of approximately $55,543 to afford the median-priced home in Muncy at $192,500. The median household income in Muncy is $71,000. The median income is currently sufficient to meet this threshold.
Is Muncy a good place to buy a home in 2026?
Muncy has a moderate cost of living with a cost of living index of 101.6 (national average = 100). The property tax rate in Pennsylvania is 1.84%, which is above the national average. Muncy has a population of 26,669 and offers a balanced lifestyle.
Mortgage Rates in Other Pennsylvania Cities
Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the Muncy, Pennsylvania area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.