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Lawrence, PA Today: What the Rate Move Costs
The typical home in Lawrence, PA is worth about $166,220 as of June 2026, from Zillow's monthly home value index. The 10-year Treasury, which is what mortgage pricing actually tracks, is at 4.70% as of August 3, 2026, down 5 basis points from the previous business day. The median household in Lawrence, PA earns $61,931 a year, which is the yardstick the income-needed figure below is measured against. The price is monthly and local. The rate is daily and national. Everything on this page is the two of them multiplied together at a rate you choose, recomputed on every visit rather than stored.
The 10-year Treasury fell 5 bp on August 3, 2026. If that move passes through one for one to a mortgage rate, the same Lawrence, PA home costs about $4 a month less than it did at the previous close, starting from a 6.50% illustrative rate.
Median home value, Lawrence, PA
$166,220
+2.9% over 12 months
This is the LOCAL and MONTHLY input. It does not move day to day, and nothing on this page claims it does.
As of June 2026 | Monthly
Source: Zillow Home Value Index (ZHVI)
10-Year Treasury
4.70%
-5 bp today
This is the NATIONAL and DAILY input, and the only thing on this page that actually changed today. Mortgage pricing tracks it plus a lender spread.
As of Aug 3, 2026 | Every business day, published by 6:00 PM ET
Source: U.S. Department of the Treasury, Daily Treasury Par Yield Curve Rates
Median household income
$61,931
The yardstick behind the income-needed figure below.
As of 2024 | Annually
Source: U.S. Census Bureau, American Community Survey
Mortgage lock-in gap
1.80% to 3.30%
National band
Against the FHFA National Mortgage Database average rate on all outstanding US mortgages, 4.40%, a QUARTERLY series as of Q1 2026. Published as a band because Curb Report does not publish a single modeled mortgage rate.
As of Aug 3, 2026 | Every business day, recomputed from the Treasury curve
Source: Curb Report (derived)
What a Lawrence, PA home costs per month
Curb Report does not publish a mortgage rate. The rates below are illustrative scenarios, not quotes, estimates, or observations of today's market. Enter the rate you were actually quoted to see your own numbers.
All-in monthly payment
$1,062
$840 P&I, $152 tax, $69 insurance
Every 10 bp on this loan
$9/mo
On a $132,976 loan
Income needed (28% DTI)
$45,520
$16,411 below the local median household
What changed today
-$4/mo
-5 bp on the 10-year, August 3, 2026
Computed at 6.50% on a 30-year fixed with 20% down, on a $166,220 price. Property tax uses a national placeholder of 1.10% of value per year and insurance 0.50%, not Lawrence, PA’s actual rates, so treat the tax and insurance lines as placeholders and the principal and interest line as the real math. The local median household income is a Census ACS figure for 2024. The “what changed today” figure assumes the day’s move in the 10-year Treasury passes through one for one to a mortgage rate, which is a sensitivity, not a forecast. No PMI, HOA, or mortgage insurance. Informational only, not a loan offer or financial advice.
More on Lawrence, PA
This page is only the financing side. The full county profile carries the price history, the 12-month forecast, crash and climate risk, property taxes, schools, and cap rate.
Nearby markets, same rate
The rate is identical everywhere in the country. What differs is the price it gets multiplied against, which is exactly why the same 10 basis point move lands so differently across Pennsylvania.
Lawrence, PA rate questions
What actually changes daily about the Lawrence, PA housing market?
The financing cost, and only the financing cost. The 10-year Treasury settles every business day and is published by 6:00 PM Eastern, and a 30-year fixed mortgage is priced off it plus a lender spread. Everything local on this page is monthly or slower: the $166,220 typical home value comes from Zillow's monthly index, and the income figure comes from the Census Bureau's annual American Community Survey. So when this page says something moved today, it means the rate moved, and the payment on an unchanged local price moved with it. It does not mean home prices in Lawrence, PA changed today, and no honest source could tell you that they did.
Does Curb Report show a current mortgage rate for Lawrence, PA?
No, and that is deliberate. Every daily mortgage-rate feed is licence-restricted for redistribution, and publishing a modeled estimate in the place where readers expect a measurement invites it to be quoted as one. Instead this page starts from a clearly labelled illustrative rate and asks you to replace it with the rate you were actually quoted. Your quote depends on your credit, your down payment, the loan product, the property type, and the specific lender, none of which a national average knows about, so your own number is strictly better input than anything we could publish.
How much does a 10 basis point move in rates cost in Lawrence, PA?
The page computes it live from the price and rate in the calculator. Ten basis points is a tenth of a percentage point, which is a routine single-day move in the 10-year Treasury, and on a typical loan it shifts the monthly principal and interest by a meaningful amount without changing the price of the house at all. That is the whole reason this page exists: a buyer watching listing prices is watching the slow variable, while the fast variable sits entirely on the financing side.
Are the property tax and insurance figures specific to Lawrence, PA?
No. This page is free and ungated, and Curb Report's market-specific property tax and insurance metrics are paid data, so the payment breakdown here uses national placeholder assumptions for both instead of leaking the local figures. Treat the principal and interest line as the real math and the tax and insurance lines as rough placeholders. The market's actual effective property tax rate and insurance burden are available on its full market profile.
Is this page free?
Yes. Every figure on this page and on the national rate board is free, with no account, no email capture, and no trial. The market profile pages carry deeper data with some paid metrics, but nothing on this daily page is gated.
Curb Report publishes market data and calculators for informational purposes only. Nothing here is financial, investment, legal, or tax advice, a loan offer, or a rate quote. Talk to a lender for an actual quote and to a qualified professional before making a decision.