Select your Scenario
Dodge monthly mortgage insurance premiums (PMI) completely and secure the standard conventional baseline.
Explore programs requiring as little as 3% down conventional or 3.5% FHA, helping you buy sooner.
Optimize your existing debt service, lower your interest rate, or secure cash-out equity restructure.
Department of Veterans Affairs purchase loans offering 0% down payment and no monthly PMI for military.
Lock in lower interest rates with a 15-year fixed loan term to build massive equity quickly.
Finance non-owner occupied rental acquisitions or multi-unit house hacking with competitive investor pricing.
See Safe Rate's top scoring lenders for Gouldsboro
We rank active Gouldsboro lenders across our 5 P's of mortgage shopping. No pay to play, independent rankings.
Current Local Mortgage Rates
Sorted by lowest conforming purchase rate
Requires veteran or military eligibility
Loan amount is under conforming limits
| Loan Program | Today's Rate / APR | Points | Est. Payment | Action |
|---|---|---|---|---|
| Conventional 30-Yr FixedConforming | 6.985%APR 7.024% | 0 pts$0 | $1,285/moP&I $1,285 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.070%APR 6.843% | 0 pts$0 | $1,279/moP&I $1,189 · MI $90 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.235%APR 6.292% | 0 pts$0 | $1,189/moP&I $1,189 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.937%APR 6.977% | 0 pts$0 | $1,279/moP&I $1,279 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.715% | 0 pts$0 | $1,369/moP&I $1,369 · MI $0 | See details |
Personalize the rates on this page
Tell us your home budget and credit score to see exact payments and find your best-fit loan program instantly.
Compare all 26 pre-computed scenario benchmarks
Scenario Program | Down Pct | Credit score | Today's Rate | APR | Points | P&I Payment | 3-Yr Metric Cost |
|---|---|---|---|---|---|---|---|
15-Year Conforming Purchase | 20% | 740 credit score | 6.235% | 6.292% | 0 pts ($0) | $1,657/mo | $33,926 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.123% | 6.181% | 0 pts ($0) | $2,057/mo | $46,338 |
Condo 10% Down | 10% | 720 credit score | 7.314% | 7.489% | 0 pts ($0) | $1,494/mo | $52,621 |
Conventional 10% Down | 10% | 720 credit score | 6.805% | 6.967% | 0 pts ($0) | $1,420/mo | $49,281 |
Conventional 20% Down | 20% | 740 credit score | 6.985% | 7.024% | 0 pts ($0) | $1,285/mo | $39,921 |
Conventional 5% Down | 5% | 700 credit score | 7.128% | 7.614% | 0 pts ($0) | $1,548/mo | $54,256 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.434% | 7.476% | 0 pts ($0) | $1,680/mo | $57,893 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,431/mo | $48,493 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.841% | 7.221% | 0 pts ($0) | $1,536/mo | $55,480 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.937% | 6.977% | 0 pts ($0) | $1,599/mo | $54,268 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,996/mo | $47,584 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.070% | 6.843% | 0 pts ($0) | $1,434/mo | $50,459 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,465/mo | $51,299 |
FHA Streamline Refi | 0% | 640 credit score | 6.264% | 7.040% | 0 pts ($0) | $1,517/mo | $53,725 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.088% | 7.337% | 0 pts ($0) | $1,542/mo | $56,047 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $1,513/mo | $29,625 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.715% | 0 pts ($0) | $1,284/mo | $40,928 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,304/mo | $40,738 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,406/mo | $43,121 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.434% | 7.213% | 0 pts ($0) | $1,491/mo | $53,059 |
Second Home 10% Down | 10% | 720 credit score | 6.075% | 6.653% | 0 pts ($0) | $1,316/mo | $44,499 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,272/mo | $39,332 |
VA 0% Down | 0% | 700 credit score | 6.091% | 6.338% | 0 pts ($0) | $1,496/mo | $49,525 |
VA Cash-Out Refi | 0% | 640 credit score | 6.078% | 6.450% | 0 pts ($0) | $1,494/mo | $49,429 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.084% | 6.239% | 0 pts ($0) | $1,495/mo | $49,473 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,331/mo | $42,103 |
Frequently Asked Questions
What are today's mortgage rates in 18424, Wilkes-Barre, PA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 18424, Wilkes-Barre, PA is 6.985% (with an estimated monthly payment of $1,613). Active program rates also include FHA 30-year fixed loans at 6.070% and VA 0%-down fixed loans at 6.091%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 18424, Wilkes-Barre, PA?
Mortgage rates have shown typical daily fluctuations driven by inflation data and bond yields. Over the past 90 days, conventional 30-year fixed rates in 18424, Wilkes-Barre, PA have fluctuated between a low of 6.874% and a high of 7.128%. You can track these daily movements by using the 90-day rate history and trajectory chart featured on this page.
Is an FHA or Conventional loan more cost-effective in 18424, Wilkes-Barre, PA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $241,857 in 18424, Wilkes-Barre, PA, a standard 20%-down Conventional loan requires an upfront cash down payment of $48,371 but keeps your monthly payment lower at $1,613/mo (at 6.985% interest) with no monthly PMI. In comparison, an FHA loan requires only $8,465 (3.5% down) but has an estimated payment of $1,800/mo (at 6.070% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $233,392 falls comfortably within the local HUD FHA loan limit of $524,225 (1-unit), making FHA financing an exceptionally accessible, high-leverage entry point into the market.
What is the maximum conforming loan limit in 18424 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 18424 is $806,501. With a typical local home value of $241,857 in Wilkes-Barre, a standard 20%-down mortgage requires a loan size of $193,486. Because this is within the $806,501 conforming threshold, buyers can easily qualify for standard conforming conventional financing with competitive rates.
How does the median home value in 18424, Wilkes-Barre, PA impact estimated mortgage payments?
The median home value in 18424, Wilkes-Barre, PA is estimated at $241,857. Buying a typical home here with a standard 20% down payment ($48,371) translates to an estimated starting monthly mortgage payment of $1,613 (principal and interest). Compared to the local area median household income of $66,924 ($5,577/mo), this basic housing payment represents approximately 28.9% of gross monthly household income. This housing cost is well within standard lender affordability guidelines (under the 36% DTI benchmark), demonstrating healthy local purchasing power.