Mortgage Rates in Lisle, Illinois — March 2026
Updated March 2026 | Based on Lisle market data and regional lending conditions
Lisle is a growing city in Illinois with a population of 23,270. The current 30-year fixed mortgage rate in Lisle is 6.75%, which is 0.1% above the national average. With a median home price of $212,000 and a 20% down payment of $42,400, homebuyers can expect a monthly principal and interest payment of approximately $1,100.
Current Mortgage Rates in Lisle, IL
Below are the current average mortgage rates available in the Lisle 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 | 6.75% | 6.65% | +0.1% |
| 15-Year Fixed | 5.99% | 5.89% | +0.1% |
| 5/1 ARM | 6.25% | 6.15% | +0.1% |
| FHA | 6.5% | 6.25% | +0.25% |
| VA | 6.25% | 6.05% | +0.2% |
| Jumbo | 7% | 6.85% | +0.15% |
Lisle Housing Market Overview
The Lisle housing market offers relatively affordable housing compared to many major cities. The median household income in Lisle is $67,200, and the cost of living index is 92.6 (national average = 100). Based on the 28% affordability rule, the median income in Lisle is sufficient to afford the median-priced home.
Monthly Payment Breakdown for Lisle
Based on the median home price of $212,000 with 20% down ($42,400), here is what you can expect to pay monthly in Lisle:
15-Year vs. 30-Year Mortgage in Lisle
Choosing a 15-year mortgage in Lisle at 5.99% instead of a 30-year at 6.75% would save you $138,600 in total interest over the life of the loan. However, your monthly payment would be $1,430 instead of $1,100 — an increase of $330 per month.
Calculate Your Lisle 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 Lisle
What are the current mortgage rates in Lisle, IL?
As of March 2026, the average 30-year fixed mortgage rate in Lisle, Illinois is 6.75%, while the 15-year fixed rate is 5.99%. FHA loans average 6.5% and VA loans 6.25%. These rates are 0.1% above the national average of 6.65%.
How much is a monthly mortgage payment in Lisle?
Based on the median home price of $212,000 with 20% down, the estimated monthly mortgage payment in Lisle is $1,100 for principal and interest. Including property taxes of $382/month, the total monthly housing cost is approximately $1,482.
What income do I need to buy a home in Lisle?
Using the 28% rule, you would need an annual income of approximately $63,514 to afford the median-priced home in Lisle at $212,000. The median household income in Lisle is $67,200. The median income is currently sufficient to meet this threshold.
Is Lisle a good place to buy a home in 2026?
Lisle offers a below-average cost of living with a cost of living index of 92.6 (national average = 100). The property tax rate in Illinois is 2.16%, which is above the national average. Lisle has a population of 23,270 and offers a very affordable lifestyle.
Mortgage Rates in Other Illinois Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Lisle, Illinois area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.