Mortgage Rates in Enterprise, Oregon — March 2026
Updated March 2026 | Based on Enterprise market data and regional lending conditions
Enterprise is a smaller Oregon community of 35,252 where the housing market reflects local economic conditions. The current 30-year fixed rate here is 6.64% (0.01% below the national average). The median home price of $330,000 translates to roughly $2,004/month with 20% down — requiring an income of about $85,886, which exceeds the local median of $78,500.
Current Mortgage Rates in Enterprise, OR
Below are the current average mortgage rates available in the Enterprise 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 | 6.64% | 6.65% | -0.01% |
| 15-Year Fixed | 5.9% | 5.89% | +0.01% |
| 5/1 ARM | 6.19% | 6.15% | +0.04% |
| FHA | 6.45% | 6.25% | +0.2% |
| VA | 6.2% | 6.05% | +0.15% |
| Jumbo | 6.89% | 6.85% | +0.04% |
Enterprise Housing Market Overview
Housing in Enterprise sits near the national average at $330,000. With a median household income of $78,500 and a cost of living index of 112.7, some buyers may need to look at lower price points or consider larger down payments.
Monthly Payment Breakdown for Enterprise
Based on the median home price of $330,000 with 20% down ($66,000), here is what you can expect to pay monthly in Enterprise:
15-Year vs. 30-Year Mortgage in Enterprise
Choosing a 15-year mortgage in Enterprise at 5.9% instead of a 30-year at 6.64% would save you $210,960 in total interest over the life of the loan. However, your monthly payment would be $2,214 instead of $1,693 — an increase of $521 per month.
Calculate Your Enterprise 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 Enterprise
What are the current mortgage rates in Enterprise, OR?
As of March 2026, the average 30-year fixed mortgage rate in Enterprise, Oregon is 6.64%, while the 15-year fixed rate is 5.9%. FHA loans average 6.45% and VA loans 6.2%. These rates are 0.01% below the national average of 6.65%.
How much is a monthly mortgage payment in Enterprise?
Based on the median home price of $330,000 with 20% down, the estimated monthly mortgage payment in Enterprise is $1,693 for principal and interest. Including property taxes of $311/month, the total monthly housing cost is approximately $2,004.
What income do I need to buy a home in Enterprise?
Using the 28% rule, you would need an annual income of approximately $85,886 to afford the median-priced home in Enterprise at $330,000. The median household income in Enterprise is $78,500. This means most households would need to either earn above the median or consider homes below $330,000.
Is Enterprise a good place to buy a home in 2026?
Enterprise has a moderate cost of living with a cost of living index of 112.7 (national average = 100). The property tax rate in Oregon is 1.13%, which is near the national average. Enterprise has a population of 35,252 and offers a balanced lifestyle.
Mortgage Rates in Other Oregon Cities
Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the Enterprise, Oregon area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.