This week's average rate · Free · No credit check
Mortgage Refinance Calculator for Philadelphia, Pennsylvania
Pre-loaded with Philadelphia's typical home value ($225,000) and Pennsylvania's 158.00% property tax rate.
30-yr fixed avg 7.24% as of October 29, 2026
Source: Freddie Mac PMMS
Homeowners in Philadelphia, Pennsylvania are refinancing to take advantage of published mortgage averages. With a median home value of $225,000 in Philadelphia and a local property tax rate of 158.00%, our calculator is pre-loaded with real Philadelphia data so you can see your actual monthly savings in seconds.
Your refinance numbers, Philadelphia, PA
30-yr fixed avg 7.24% as of October 29, 2026
Source: Freddie Mac PMMS
New monthly payment
$1,077
Takes ~60 seconds. No credit check.
No impact to credit
No credit check to use the calculator.
60-second estimate
See real savings before you talk to anyone.
You choose who contacts you
We only share your info with licensed lenders when you ask to see real offers. No credit check to use the calculator.
Frequently asked questions
- What is the average cost to refinance in Philadelphia, Pennsylvania?
- Closing costs in Philadelphia typically range from 2% to 5% of your loan amount. On a $225,000 home, expect to pay between $4,500 and $11,250.
- What are current refinance rates in Philadelphia, Pennsylvania?
- 30-yr fixed avg 7.24% as of October 29, 2026 · Source: Freddie Mac PMMS. This is a national purchase-mortgage benchmark, not a Pennsylvania refinance quote. Rates vary by lender, credit score, and loan amount.
- How long does it take to refinance in Philadelphia?
- Most refinances in Philadelphia close in 30 to 45 days. Using a streamline program like FHA Streamline or VA IRRRL can reduce this to 2 to 3 weeks.