Mortgage Rates in Pittsburg, Kansas — March 2026
Updated March 2026 | Based on Pittsburg market data and regional lending conditions
Pittsburg is a growing city in Kansas with a population of 20,216. The current 30-year fixed mortgage rate in Pittsburg is 6.61%, which is 0.04% below the national average. With a median home price of $174,000 and a 20% down payment of $34,800, homebuyers can expect a monthly principal and interest payment of approximately $890.
Current Mortgage Rates in Pittsburg, KS
Below are the current average mortgage rates available in the Pittsburg 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 | 6.61% | 6.65% | -0.04% |
| 15-Year Fixed | 5.88% | 5.89% | -0.01% |
| 5/1 ARM | 6.17% | 6.15% | +0.02% |
| FHA | 6.43% | 6.25% | +0.18% |
| VA | 6.18% | 6.05% | +0.13% |
| Jumbo | 6.86% | 6.85% | +0.01% |
Pittsburg Housing Market Overview
The Pittsburg housing market offers relatively affordable housing compared to many major cities. The median household income in Pittsburg is $57,800, and the cost of living index is 82.9 (national average = 100). Based on the 28% affordability rule, the median income in Pittsburg is sufficient to afford the median-priced home.
Monthly Payment Breakdown for Pittsburg
Based on the median home price of $174,000 with 20% down ($34,800), here is what you can expect to pay monthly in Pittsburg:
15-Year vs. 30-Year Mortgage in Pittsburg
Choosing a 15-year mortgage in Pittsburg at 5.88% instead of a 30-year at 6.61% would save you $110,520 in total interest over the life of the loan. However, your monthly payment would be $1,166 instead of $890 — an increase of $276 per month.
Calculate Your Pittsburg 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 Pittsburg
What are the current mortgage rates in Pittsburg, KS?
As of March 2026, the average 30-year fixed mortgage rate in Pittsburg, Kansas is 6.61%, while the 15-year fixed rate is 5.88%. FHA loans average 6.43% and VA loans 6.18%. These rates are 0.04% below the national average of 6.65%.
How much is a monthly mortgage payment in Pittsburg?
Based on the median home price of $174,000 with 20% down, the estimated monthly mortgage payment in Pittsburg is $890 for principal and interest. Including property taxes of $206/month, the total monthly housing cost is approximately $1,096.
What income do I need to buy a home in Pittsburg?
Using the 28% rule, you would need an annual income of approximately $46,971 to afford the median-priced home in Pittsburg at $174,000. The median household income in Pittsburg is $57,800. The median income is currently sufficient to meet this threshold.
Is Pittsburg a good place to buy a home in 2026?
Pittsburg offers a below-average cost of living with a cost of living index of 82.9 (national average = 100). The property tax rate in Kansas is 1.42%, which is near the national average. Pittsburg has a population of 20,216 and offers a very affordable lifestyle.
Mortgage Rates in Other Kansas Cities
Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the Pittsburg, Kansas area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.