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Live Rates
30-Year Fixed6.625%-0.125|15-Year Fixed5.875%-0.063|30-Year FHA6.375%-0.125|30-Year VA6.125%-0.063|5/1 ARM6.125%0.000|7/1 ARM6.250%+0.063|30-Year Jumbo7.125%-0.188|15-Year Jumbo6.625%-0.125|CA Avg6.550%-0.080|TX Avg6.720%+0.050|FL Avg6.680%-0.030|NY Avg6.500%-0.100|PA Avg6.450%-0.050|IL Avg6.580%+0.020|OH Avg6.380%-0.070|GA Avg6.650%0.000|NC Avg6.520%-0.040|MI Avg6.480%-0.060|AZ Avg6.600%+0.030|WA Avg6.420%-0.090|30-Year Fixed6.625%-0.125|15-Year Fixed5.875%-0.063|30-Year FHA6.375%-0.125|30-Year VA6.125%-0.063|5/1 ARM6.125%0.000|7/1 ARM6.250%+0.063|30-Year Jumbo7.125%-0.188|15-Year Jumbo6.625%-0.125|CA Avg6.550%-0.080|TX Avg6.720%+0.050|FL Avg6.680%-0.030|NY Avg6.500%-0.100|PA Avg6.450%-0.050|IL Avg6.580%+0.020|OH Avg6.380%-0.070|GA Avg6.650%0.000|NC Avg6.520%-0.040|MI Avg6.480%-0.060|AZ Avg6.600%+0.030|WA Avg6.420%-0.090|
Home/NC Mortgage Rates/Durham

Mortgage Rates in Durham, North Carolina: 2026 Guide

30-year fixed: 6.69%. Median: $335,000.

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Current Mortgage Rates in Durham

Loan TypeRateAPRMonthly*
30-Year Fixed6.69%6.770%$1,728/mo
15-Year Fixed6.17%6.240%$2,286/mo
5/1 ARM6.07%6.420%$1,619/mo
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Durham Market Insights

Durham has undergone a remarkable transformation, becoming a hub for tech, healthcare, and innovation anchored by Duke University and the Research Triangle Park. The American Tobacco Campus and downtown area have seen extensive revitalization with new restaurants, breweries, and housing.

FAQs

What is the average mortgage rate in Durham?+
The average 30-year fixed rate in Durham is 6.69%.
How much down payment is needed?+
On a median home of $335,000, 20% down is $67,000.
What are property taxes?+
NC rate: 0.84%. Annual taxes: $2,814.

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