Mortgage Rates in Lacey, New York — March 2026
Updated March 2026 | Based on Lacey market data and regional lending conditions
Lacey is a growing city in New York with a population of 29,252. The current 30-year fixed mortgage rate in Lacey is 6.84%, which is 0.19% above the national average. With a median home price of $437,000 and a 20% down payment of $87,400, homebuyers can expect a monthly principal and interest payment of approximately $2,288.
Current Mortgage Rates in Lacey, NY
Below are the current average mortgage rates available in the Lacey 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 | 6.84% | 6.65% | +0.19% |
| 15-Year Fixed | 6.06% | 5.89% | +0.17% |
| 5/1 ARM | 6.3% | 6.15% | +0.15% |
| FHA | 6.55% | 6.25% | +0.3% |
| VA | 6.3% | 6.05% | +0.25% |
| Jumbo | 7.09% | 6.85% | +0.24% |
Lacey Housing Market Overview
The Lacey housing market reflects moderate demand with prices near the national average. The median household income in Lacey is $74,300, and the cost of living index is 125.9 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $126,000 to comfortably afford the median-priced home in Lacey, which exceeds the current median household income.
Monthly Payment Breakdown for Lacey
Based on the median home price of $437,000 with 20% down ($87,400), here is what you can expect to pay monthly in Lacey:
15-Year vs. 30-Year Mortgage in Lacey
Choosing a 15-year mortgage in Lacey at 6.06% instead of a 30-year at 6.84% would save you $290,700 in total interest over the life of the loan. However, your monthly payment would be $2,961 instead of $2,288 — an increase of $673 per month.
Calculate Your Lacey 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 Lacey
What are the current mortgage rates in Lacey, NY?
As of March 2026, the average 30-year fixed mortgage rate in Lacey, New York is 6.84%, while the 15-year fixed rate is 6.06%. FHA loans average 6.55% and VA loans 6.3%. These rates are 0.19% above the national average of 6.65%.
How much is a monthly mortgage payment in Lacey?
Based on the median home price of $437,000 with 20% down, the estimated monthly mortgage payment in Lacey is $2,288 for principal and interest. Including property taxes of $652/month, the total monthly housing cost is approximately $2,940.
What income do I need to buy a home in Lacey?
Using the 28% rule, you would need an annual income of approximately $126,000 to afford the median-priced home in Lacey at $437,000. The median household income in Lacey is $74,300. This means most households would need to either earn above the median or consider homes below $437,000.
Is Lacey a good place to buy a home in 2026?
Lacey has a higher cost of living than average with a cost of living index of 125.9 (national average = 100). The property tax rate in New York is 1.79%, which is above the national average. Lacey has a population of 29,252 and offers a balanced lifestyle.
Mortgage Rates in Other New York Cities
Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the Lacey, New York area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.