Mortgage Rates & Affordability
Updated May 31, 2026 · Triangle NC
Current Mortgage Rates
30-Year VA
6.103%
▲
0.01pp from last week
Optimal Blue
15-Year Fixed
5.87%
▲
0.02pp from last week
Freddie Mac
30-Year Fixed
6.53%
▲
0.02pp from last week
Freddie Mac
30-Year FHA
6.248%
▸
0.0pp 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: $449,950
· 2026-04-01
| Down | Loan | 30-Yr P&I | 15-Yr P&I | vs Last Mo | vs Last Yr |
|---|---|---|---|---|---|
| 5% | $427,452 | $2,710 | $3,577 | $0 | $-8 |
| 10% | $404,955 | $2,568 | $3,389 | +$1 | $-7 |
| 20% | $359,960 | $2,282 | $3,012 | $0 | $-7 |
Local Market Pulse
Raleigh
5,124
Active Listings
▲ 10.2% MoM
▲ 9.9% 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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