Pennsylvania's average 30-year mortgage rate is 6.668%, slightly below the national average of 6.673%, with rates trending upward over the past three months. The 15-year fixed mortgage rate averages 5.845%, and jumbo 30-year mortgages average 6.703%. Refinance rates are similarly close to national averages. To secure the best rates, buyers should research local trends, compare lenders, maintain strong credit, and consider a substantial down payment.