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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/Raleigh

Mortgage Rates in Raleigh, North Carolina: 2026 Guide

30-year fixed: 6.68%. Median: $370,000.

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Current Mortgage Rates in Raleigh

Loan TypeRateAPRMonthly*
30-Year Fixed6.68%6.760%$1,906/mo
15-Year Fixed6.16%6.230%$2,523/mo
5/1 ARM6.06%6.410%$1,786/mo
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Raleigh Market Insights

Raleigh is part of the Research Triangle and offers a strong tech and biotech job market. The housing market has seen steady appreciation driven by population growth and high-paying jobs. Popular areas include North Hills, Cameron Village, and Five Points.

FAQs

What is the average mortgage rate in Raleigh?+
The average 30-year fixed rate in Raleigh is 6.68%.
How much down payment is needed?+
On a median home of $370,000, 20% down is $74,000.
What are property taxes?+
NC rate: 0.84%. Annual taxes: $3,108.

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