Mortgage Rates in Warminster, Pennsylvania — March 2026
Updated March 2026 | Based on Warminster market data and regional lending conditions
Warminster is a growing city in Pennsylvania with a population of 33,475. The current 30-year fixed mortgage rate in Warminster is 6.82%, which is 0.17% above the national average. With a median home price of $240,000 and a 20% down payment of $48,000, homebuyers can expect a monthly principal and interest payment of approximately $1,254.
Current Mortgage Rates in Warminster, PA
Below are the current average mortgage rates available in the Warminster 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 | 6.82% | 6.65% | +0.17% |
| 15-Year Fixed | 6.04% | 5.89% | +0.15% |
| 5/1 ARM | 6.29% | 6.15% | +0.14% |
| FHA | 6.53% | 6.25% | +0.28% |
| VA | 6.28% | 6.05% | +0.23% |
| Jumbo | 7.07% | 6.85% | +0.22% |
Warminster Housing Market Overview
The Warminster housing market offers relatively affordable housing compared to many major cities. The median household income in Warminster is $63,800, and the cost of living index is 87.9 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $65,829 to comfortably afford the median-priced home in Warminster, which exceeds the current median household income.
Monthly Payment Breakdown for Warminster
Based on the median home price of $240,000 with 20% down ($48,000), here is what you can expect to pay monthly in Warminster:
15-Year vs. 30-Year Mortgage in Warminster
Choosing a 15-year mortgage in Warminster at 6.04% instead of a 30-year at 6.82% would save you $159,120 in total interest over the life of the loan. However, your monthly payment would be $1,624 instead of $1,254 — an increase of $370 per month.
Calculate Your Warminster 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 Warminster
What are the current mortgage rates in Warminster, PA?
As of March 2026, the average 30-year fixed mortgage rate in Warminster, Pennsylvania is 6.82%, while the 15-year fixed rate is 6.04%. FHA loans average 6.53% and VA loans 6.28%. These rates are 0.17% above the national average of 6.65%.
How much is a monthly mortgage payment in Warminster?
Based on the median home price of $240,000 with 20% down, the estimated monthly mortgage payment in Warminster is $1,254 for principal and interest. Including property taxes of $282/month, the total monthly housing cost is approximately $1,536.
What income do I need to buy a home in Warminster?
Using the 28% rule, you would need an annual income of approximately $65,829 to afford the median-priced home in Warminster at $240,000. The median household income in Warminster is $63,800. This means most households would need to either earn above the median or consider homes below $240,000.
Is Warminster a good place to buy a home in 2026?
Warminster offers a below-average cost of living with a cost of living index of 87.9 (national average = 100). The property tax rate in Pennsylvania is 1.41%, which is near the national average. Warminster has a population of 33,475 and offers a very affordable 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 Warminster, Pennsylvania area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.