Mortgage Rates & Affordability
Updated March 2, 2026 · Triangle NC
Current Mortgage Rates
30-Year Conforming
5.937%
▼
-0.02pp from last week
Optimal Blue
30-Year VA
5.633%
▲
0.0pp from last week
Optimal Blue
15-Year Fixed
5.44%
▲
0.09pp from last week
Freddie Mac
30-Year Fixed
5.98%
▼
-0.03pp from last week
Freddie Mac
30-Year FHA
5.903%
▲
0.02pp from last week
Optimal Blue
30-Year Jumbo
6.214%
▲
0.03pp from last week
Optimal Blue
What This Means for Triangle Buyers
Monthly principal & interest payments based on current median listing prices and today's rates. Does not include taxes, insurance, or HOA.
Raleigh
Median listing: $440,000
· 2026-01-01
| Down | Loan | 30-Yr P&I | 15-Yr P&I | vs Last Mo | vs Last Yr |
|---|---|---|---|---|---|
| 5% | $418,000 | $2,501 | $3,402 | $0 | $0 |
| 10% | $396,000 | $2,369 | $3,223 | $0 | $0 |
| 20% | $352,000 | $2,106 | $2,865 | $0 | $0 |
Durham
Median listing: $449,975
· 2026-01-01
| Down | Loan | 30-Yr P&I | 15-Yr P&I | vs Last Mo | vs Last Yr |
|---|---|---|---|---|---|
| 5% | $427,476 | $2,557 | $3,479 | $-71 | $-140 |
| 10% | $404,978 | $2,423 | $3,296 | $-67 | $-132 |
| 20% | $359,980 | $2,154 | $2,930 | $-59 | $-117 |
Local Market Pulse
Raleigh
4,244
Active Listings
▼ -11.3% MoM
▲ 20.3% YoY
Durham
1,437
Active Listings
▼ -15.5% MoM
▲ 29.3% YoY
Median Listing Price — Raleigh vs Durham
Active Listings — Raleigh vs Durham
FHFA House Price Index — Raleigh vs Durham (Quarterly)
Rate Context
30-Year Mortgage vs 10-Year Treasury
Housing Affordability Index — 13-Month Trend
30-Year & 15-Year Fixed Rates — 5-Year History
Data: Freddie Mac, Optimal Blue, Realtor.com & FHFA via Federal Reserve Economic Data (FRED)
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