Mortgage Rates & Affordability
Updated April 16, 2026 · Triangle NC
Current Mortgage Rates
30-Year Conforming
6.255%
▼
-0.02pp from last week
Optimal Blue
30-Year VA
5.781%
▼
-0.15pp from last week
Optimal Blue
15-Year Fixed
5.74%
▼
-0.03pp from last week
Freddie Mac
30-Year Fixed
6.37%
▼
-0.09pp from last week
Freddie Mac
30-Year FHA
6.073%
▼
-0.0pp from last week
Optimal Blue
30-Year Jumbo
6.431%
▼
-0.18pp 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: $449,900
· 2026-03-01
| Down | Loan | 30-Yr P&I | 15-Yr P&I | vs Last Mo | vs Last Yr |
|---|---|---|---|---|---|
| 5% | $427,405 | $2,665 | $3,547 | +$29 | +$29 |
| 10% | $404,910 | $2,525 | $3,360 | +$28 | +$28 |
| 20% | $359,920 | $2,244 | $2,987 | +$24 | +$24 |
Durham
Median listing: $474,950
· 2026-03-01
| Down | Loan | 30-Yr P&I | 15-Yr P&I | vs Last Mo | vs Last Yr |
|---|---|---|---|---|---|
| 5% | $451,202 | $2,813 | $3,744 | +$118 | $-30 |
| 10% | $427,455 | $2,665 | $3,547 | +$112 | $-29 |
| 20% | $379,960 | $2,369 | $3,153 | +$99 | $-25 |
Local Market Pulse
Raleigh
4,709
Active Listings
▲ 8.4% MoM
▲ 15.1% YoY
Durham
1,722
Active Listings
▲ 12.9% MoM
▲ 28.6% 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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