Mortgage Rates in Hillcrest Heights, Maryland — April 2026
Updated April 2026 | Based on Hillcrest Heights market data and regional lending conditions
Hillcrest Heights is a smaller Maryland community of 22,122 where the housing market reflects local economic conditions. The current 30-year fixed rate here is 6.77% (0.12% above the national average). The median home price of $410,000 translates to roughly $2,504/month with 20% down — requiring an income of about $107,314, which exceeds the local median of $68,000.
Current Mortgage Rates in Hillcrest Heights, MD
Below are the current average mortgage rates available in the Hillcrest Heights area as of April 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 | 6.77% | 6.65% | +0.12% |
| 15-Year Fixed | 6% | 5.89% | +0.11% |
| 5/1 ARM | 6.26% | 6.15% | +0.11% |
| FHA | 6.51% | 6.25% | +0.26% |
| VA | 6.26% | 6.05% | +0.21% |
| Jumbo | 7.02% | 6.85% | +0.17% |
Hillcrest Heights Housing Market Overview
Housing in Hillcrest Heights sits near the national average at $410,000. With a median household income of $68,000 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 Hillcrest Heights
Based on the median home price of $410,000 with 20% down ($82,000), here is what you can expect to pay monthly in Hillcrest Heights:
15-Year vs. 30-Year Mortgage in Hillcrest Heights
Choosing a 15-year mortgage in Hillcrest Heights at 6% instead of a 30-year at 6.77% would save you $269,280 in total interest over the life of the loan. However, your monthly payment would be $2,768 instead of $2,132 — an increase of $636 per month.
Calculate Your Hillcrest Heights 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 Hillcrest Heights
What are the current mortgage rates in Hillcrest Heights, MD?
As of April 2026, the average 30-year fixed mortgage rate in Hillcrest Heights, Maryland is 6.77%, while the 15-year fixed rate is 6%. FHA loans average 6.51% and VA loans 6.26%. These rates are 0.12% above the national average of 6.65%.
How much is a monthly mortgage payment in Hillcrest Heights?
Based on the median home price of $410,000 with 20% down, the estimated monthly mortgage payment in Hillcrest Heights is $2,132 for principal and interest. Including property taxes of $372/month, the total monthly housing cost is approximately $2,504.
What income do I need to buy a home in Hillcrest Heights?
Using the 28% rule, you would need an annual income of approximately $107,314 to afford the median-priced home in Hillcrest Heights at $410,000. The median household income in Hillcrest Heights is $68,000. This means most households would need to either earn above the median or consider homes below $410,000.
Is Hillcrest Heights a good place to buy a home in 2026?
Hillcrest Heights has a moderate cost of living with a cost of living index of 112.7 (national average = 100). The property tax rate in Maryland is 1.09%, which is near the national average. Hillcrest Heights has a population of 22,122 and offers a balanced lifestyle.
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Last updated: April 2026. Rates are approximate averages based on regional lending data for the Hillcrest Heights, Maryland area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.