Mortgage Rates in Goldsboro, North Carolina — March 2026
Updated March 2026 | Based on Goldsboro market data and regional lending conditions
Goldsboro is a growing city in North Carolina with a population of 33,149. The current 30-year fixed mortgage rate in Goldsboro is 6.73%, which is 0.08% above the national average. With a median home price of $285,000 and a 20% down payment of $57,000, homebuyers can expect a monthly principal and interest payment of approximately $1,476.
Current Mortgage Rates in Goldsboro, NC
Below are the current average mortgage rates available in the Goldsboro 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 | 6.73% | 6.65% | +0.08% |
| 15-Year Fixed | 5.98% | 5.89% | +0.09% |
| 5/1 ARM | 6.24% | 6.15% | +0.09% |
| FHA | 6.49% | 6.25% | +0.24% |
| VA | 6.24% | 6.05% | +0.19% |
| Jumbo | 6.98% | 6.85% | +0.13% |
Goldsboro Housing Market Overview
The Goldsboro housing market offers relatively affordable housing compared to many major cities. The median household income in Goldsboro is $59,500, and the cost of living index is 90.4 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $71,700 to comfortably afford the median-priced home in Goldsboro, which exceeds the current median household income.
Monthly Payment Breakdown for Goldsboro
Based on the median home price of $285,000 with 20% down ($57,000), here is what you can expect to pay monthly in Goldsboro:
15-Year vs. 30-Year Mortgage in Goldsboro
Choosing a 15-year mortgage in Goldsboro at 5.98% instead of a 30-year at 6.73% would save you $185,400 in total interest over the life of the loan. However, your monthly payment would be $1,922 instead of $1,476 — an increase of $446 per month.
Calculate Your Goldsboro 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 Goldsboro
What are the current mortgage rates in Goldsboro, NC?
As of March 2026, the average 30-year fixed mortgage rate in Goldsboro, North Carolina is 6.73%, while the 15-year fixed rate is 5.98%. FHA loans average 6.49% and VA loans 6.24%. These rates are 0.08% above the national average of 6.65%.
How much is a monthly mortgage payment in Goldsboro?
Based on the median home price of $285,000 with 20% down, the estimated monthly mortgage payment in Goldsboro is $1,476 for principal and interest. Including property taxes of $197/month, the total monthly housing cost is approximately $1,673.
What income do I need to buy a home in Goldsboro?
Using the 28% rule, you would need an annual income of approximately $71,700 to afford the median-priced home in Goldsboro at $285,000. The median household income in Goldsboro is $59,500. This means most households would need to either earn above the median or consider homes below $285,000.
Is Goldsboro a good place to buy a home in 2026?
Goldsboro offers a below-average cost of living with a cost of living index of 90.4 (national average = 100). The property tax rate in North Carolina is 0.83%, which is near the national average. Goldsboro has a population of 33,149 and offers a very affordable lifestyle.
Mortgage Rates in Other North Carolina Cities
Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the Goldsboro, North Carolina area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.