Safe Rate Local
Learn about the people, housing, costs and businesses in State College
Real local data across mortgage, insurance, natural hazard, and place.
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in State College.
True all-in cost — P&I, taxes, insurance & utilities for homes in State College.
Find and compare lenders active near State College.
FEMA flood zones and flood insurance estimates for State College.
Seismic risk and earthquake insurance estimates for State College.
Wildfire exposure and insurance estimates for State College.
Mortgage rates for State College are updated daily on Safe Rate using live investor pricing. Rates depend on your credit score, loan type (Conventional, FHA, VA, Jumbo), and down payment. A 30-year fixed rate is the most common product for home purchases.
View current rates for State CollegeThe median home value in State College is $345k. The median monthly rent is $1,144. Annual property taxes average $4k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in State College have increased 15.0% over the past two years. This indicates a strong appreciation trend. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $1,272/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $55k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in State College is $80k/year.
Calculate your buying powerThe largest employment sectors in State College are public administration (40%) and healthcare (8%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.