Mortgage Rates in Lindon, Utah — March 2026
Updated March 2026 | Based on Lindon market data and regional lending conditions
Lindon is a growing city in Utah with a population of 11,435. The current 30-year fixed mortgage rate in Lindon is 6.62%, which is 0.03% below the national average. With a median home price of $473,000 and a 20% down payment of $94,600, homebuyers can expect a monthly principal and interest payment of approximately $2,422.
Current Mortgage Rates in Lindon, UT
Below are the current average mortgage rates available in the Lindon 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 | 6.62% | 6.65% | -0.03% |
| 15-Year Fixed | 5.88% | 5.89% | -0.01% |
| 5/1 ARM | 6.17% | 6.15% | +0.02% |
| FHA | 6.43% | 6.25% | +0.18% |
| VA | 6.18% | 6.05% | +0.13% |
| Jumbo | 6.87% | 6.85% | +0.02% |
Lindon Housing Market Overview
The Lindon housing market reflects moderate demand with prices near the national average. The median household income in Lindon is $75,700, and the cost of living index is 105.3 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $113,271 to comfortably afford the median-priced home in Lindon, which exceeds the current median household income.
Monthly Payment Breakdown for Lindon
Based on the median home price of $473,000 with 20% down ($94,600), here is what you can expect to pay monthly in Lindon:
15-Year vs. 30-Year Mortgage in Lindon
Choosing a 15-year mortgage in Lindon at 5.88% instead of a 30-year at 6.62% would save you $301,500 in total interest over the life of the loan. However, your monthly payment would be $3,169 instead of $2,422 — an increase of $747 per month.
Calculate Your Lindon 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 Lindon
What are the current mortgage rates in Lindon, UT?
As of March 2026, the average 30-year fixed mortgage rate in Lindon, Utah is 6.62%, while the 15-year fixed rate is 5.88%. FHA loans average 6.43% and VA loans 6.18%. These rates are 0.03% below the national average of 6.65%.
How much is a monthly mortgage payment in Lindon?
Based on the median home price of $473,000 with 20% down, the estimated monthly mortgage payment in Lindon is $2,422 for principal and interest. Including property taxes of $221/month, the total monthly housing cost is approximately $2,643.
What income do I need to buy a home in Lindon?
Using the 28% rule, you would need an annual income of approximately $113,271 to afford the median-priced home in Lindon at $473,000. The median household income in Lindon is $75,700. This means most households would need to either earn above the median or consider homes below $473,000.
Is Lindon a good place to buy a home in 2026?
Lindon has a moderate cost of living with a cost of living index of 105.3 (national average = 100). The property tax rate in Utah is 0.56%, which is below the national average. Lindon has a population of 11,435 and offers a balanced lifestyle.
Mortgage Rates in Other Utah Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Lindon, Utah area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.