Mortgage Rates & Affordability
Updated August 31, 2026 · Triangle NC
Current Mortgage Rates
30-Year Conforming
6.678%
▲
0.02pp from last week
Optimal Blue
30-Year VA
6.291%
▲
0.02pp from last week
Optimal Blue
15-Year Fixed
5.98%
▲
0.03pp from last week
Freddie Mac
30-Year Fixed
6.66%
▲
0.01pp from last week
Freddie Mac
30-Year FHA
6.479%
▸
0.0pp from last week
Optimal Blue
30-Year Jumbo
6.617%
▼
-0.08pp 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: $450,000
· 2026-07-01
| Down | Loan | 30-Yr P&I | 15-Yr P&I | vs Last Mo | vs Last Yr |
|---|---|---|---|---|---|
| 5% | $427,500 | $2,747 | $3,603 | $-43 | $-61 |
| 10% | $405,000 | $2,603 | $3,413 | $-40 | $-57 |
| 20% | $360,000 | $2,313 | $3,034 | $-36 | $-52 |
Durham
Median listing: $475,000
· 2026-07-01
| Down | Loan | 30-Yr P&I | 15-Yr P&I | vs Last Mo | vs Last Yr |
|---|---|---|---|---|---|
| 5% | $451,250 | $2,900 | $3,803 | $-76 | $-61 |
| 10% | $427,500 | $2,747 | $3,603 | $-72 | $-58 |
| 20% | $380,000 | $2,442 | $3,203 | $-64 | $-51 |
Local Market Pulse
Raleigh
5,963
Active Listings
▲ 3.0% MoM
▲ 5.5% YoY
Durham
2,170
Active Listings
▲ 2.4% MoM
▲ 14.6% 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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