Mortgage Rates in Greenbelt, Maryland — March 2026
Updated March 2026 | Based on Greenbelt market data and regional lending conditions
Greenbelt is a growing city in Maryland with a population of 23,511. The current 30-year fixed mortgage rate in Greenbelt is 6.65%, which is at the national average. With a median home price of $337,000 and a 20% down payment of $67,400, homebuyers can expect a monthly principal and interest payment of approximately $1,731.
Current Mortgage Rates in Greenbelt, MD
Below are the current average mortgage rates available in the Greenbelt 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 | 6.65% | 6.65% | 0% |
| 15-Year Fixed | 5.91% | 5.89% | +0.02% |
| 5/1 ARM | 6.19% | 6.15% | +0.04% |
| FHA | 6.45% | 6.25% | +0.2% |
| VA | 6.2% | 6.05% | +0.15% |
| Jumbo | 6.9% | 6.85% | +0.05% |
Greenbelt Housing Market Overview
The Greenbelt housing market reflects moderate demand with prices near the national average. The median household income in Greenbelt is $79,900, and the cost of living index is 112.3 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $86,357 to comfortably afford the median-priced home in Greenbelt, which exceeds the current median household income.
Monthly Payment Breakdown for Greenbelt
Based on the median home price of $337,000 with 20% down ($67,400), here is what you can expect to pay monthly in Greenbelt:
15-Year vs. 30-Year Mortgage in Greenbelt
Choosing a 15-year mortgage in Greenbelt at 5.91% instead of a 30-year at 6.65% would save you $216,000 in total interest over the life of the loan. However, your monthly payment would be $2,262 instead of $1,731 — an increase of $531 per month.
Calculate Your Greenbelt Mortgage Payment
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Open Free CalculatorFrequently Asked Questions About Mortgages in Greenbelt
What are the current mortgage rates in Greenbelt, MD?
As of March 2026, the average 30-year fixed mortgage rate in Greenbelt, Maryland is 6.65%, while the 15-year fixed rate is 5.91%. FHA loans average 6.45% and VA loans 6.2%. These rates are at the national average of 6.65%.
How much is a monthly mortgage payment in Greenbelt?
Based on the median home price of $337,000 with 20% down, the estimated monthly mortgage payment in Greenbelt is $1,731 for principal and interest. Including property taxes of $284/month, the total monthly housing cost is approximately $2,015.
What income do I need to buy a home in Greenbelt?
Using the 28% rule, you would need an annual income of approximately $86,357 to afford the median-priced home in Greenbelt at $337,000. The median household income in Greenbelt is $79,900. This means most households would need to either earn above the median or consider homes below $337,000.
Is Greenbelt a good place to buy a home in 2026?
Greenbelt has a moderate cost of living with a cost of living index of 112.3 (national average = 100). The property tax rate in Maryland is 1.01%, which is near the national average. Greenbelt has a population of 23,511 and offers a balanced lifestyle.
Mortgage Rates in Other Maryland Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Greenbelt, Maryland area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.