Mortgage Rates in Duluth, Georgia — March 2026
Updated March 2026 | Based on Duluth market data and regional lending conditions
Duluth is a growing city in Georgia with a population of 29,538. The current 30-year fixed mortgage rate in Duluth is 6.89%, which is 0.24% above the national average. With a median home price of $269,000 and a 20% down payment of $53,800, homebuyers can expect a monthly principal and interest payment of approximately $1,416.
Current Mortgage Rates in Duluth, GA
Below are the current average mortgage rates available in the Duluth area as of March 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.89% | 6.65% | +0.24% |
| 15-Year Fixed | 6.1% | 5.89% | +0.21% |
| 5/1 ARM | 6.33% | 6.15% | +0.18% |
| FHA | 6.57% | 6.25% | +0.32% |
| VA | 6.32% | 6.05% | +0.27% |
| Jumbo | 7.14% | 6.85% | +0.29% |
Duluth Housing Market Overview
The Duluth housing market offers relatively affordable housing compared to many major cities. The median household income in Duluth is $55,500, and the cost of living index is 95.5 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $69,514 to comfortably afford the median-priced home in Duluth, which exceeds the current median household income.
Monthly Payment Breakdown for Duluth
Based on the median home price of $269,000 with 20% down ($53,800), here is what you can expect to pay monthly in Duluth:
15-Year vs. 30-Year Mortgage in Duluth
Choosing a 15-year mortgage in Duluth at 6.1% instead of a 30-year at 6.89% would save you $180,720 in total interest over the life of the loan. However, your monthly payment would be $1,828 instead of $1,416 — an increase of $412 per month.
Calculate Your Duluth Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in Duluth
What are the current mortgage rates in Duluth, GA?
As of March 2026, the average 30-year fixed mortgage rate in Duluth, Georgia is 6.89%, while the 15-year fixed rate is 6.1%. FHA loans average 6.57% and VA loans 6.32%. These rates are 0.24% above the national average of 6.65%.
How much is a monthly mortgage payment in Duluth?
Based on the median home price of $269,000 with 20% down, the estimated monthly mortgage payment in Duluth is $1,416 for principal and interest. Including property taxes of $206/month, the total monthly housing cost is approximately $1,622.
What income do I need to buy a home in Duluth?
Using the 28% rule, you would need an annual income of approximately $69,514 to afford the median-priced home in Duluth at $269,000. The median household income in Duluth is $55,500. This means most households would need to either earn above the median or consider homes below $269,000.
Is Duluth a good place to buy a home in 2026?
Duluth offers a below-average cost of living with a cost of living index of 95.5 (national average = 100). The property tax rate in Georgia is 0.92%, which is near the national average. Duluth has a population of 29,538 and offers a balanced lifestyle.
Mortgage Rates in Other Georgia Cities
Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the Duluth, Georgia area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.