Mortgage Rates in Georgetown, Colorado — March 2026
Updated March 2026 | Based on Georgetown market data and regional lending conditions
Georgetown is a smaller Colorado community of 27,872 where the housing market reflects local economic conditions. The current 30-year fixed rate here is 6.86% (0.21% above the national average). The median home price of $380,000 translates to roughly $2,146/month with 20% down — requiring an income of about $91,971, which exceeds the local median of $70,500.
Current Mortgage Rates in Georgetown, CO
Below are the current average mortgage rates available in the Georgetown 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 | 6.86% | 6.65% | +0.21% |
| 15-Year Fixed | 6.08% | 5.89% | +0.19% |
| 5/1 ARM | 6.32% | 6.15% | +0.17% |
| FHA | 6.56% | 6.25% | +0.31% |
| VA | 6.31% | 6.05% | +0.26% |
| Jumbo | 7.11% | 6.85% | +0.26% |
Georgetown Housing Market Overview
Housing in Georgetown sits near the national average at $380,000. With a median household income of $70,500 and a cost of living index of 107.7, some buyers may need to look at lower price points or consider larger down payments.
Monthly Payment Breakdown for Georgetown
Based on the median home price of $380,000 with 20% down ($76,000), here is what you can expect to pay monthly in Georgetown:
15-Year vs. 30-Year Mortgage in Georgetown
Choosing a 15-year mortgage in Georgetown at 6.08% instead of a 30-year at 6.86% would save you $253,800 in total interest over the life of the loan. However, your monthly payment would be $2,578 instead of $1,994 — an increase of $584 per month.
Calculate Your Georgetown 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 Georgetown
What are the current mortgage rates in Georgetown, CO?
As of March 2026, the average 30-year fixed mortgage rate in Georgetown, Colorado is 6.86%, while the 15-year fixed rate is 6.08%. FHA loans average 6.56% and VA loans 6.31%. These rates are 0.21% above the national average of 6.65%.
How much is a monthly mortgage payment in Georgetown?
Based on the median home price of $380,000 with 20% down, the estimated monthly mortgage payment in Georgetown is $1,994 for principal and interest. Including property taxes of $152/month, the total monthly housing cost is approximately $2,146.
What income do I need to buy a home in Georgetown?
Using the 28% rule, you would need an annual income of approximately $91,971 to afford the median-priced home in Georgetown at $380,000. The median household income in Georgetown is $70,500. This means most households would need to either earn above the median or consider homes below $380,000.
Is Georgetown a good place to buy a home in 2026?
Georgetown has a moderate cost of living with a cost of living index of 107.7 (national average = 100). The property tax rate in Colorado is 0.48%, which is below the national average. Georgetown has a population of 27,872 and offers a balanced lifestyle.
Mortgage Rates in Other Colorado Cities
Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the Georgetown, Colorado area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.