Mortgage Rates in Pineville, Louisiana — March 2026
Updated March 2026 | Based on Pineville market data and regional lending conditions
Pineville is a growing city in Louisiana with a population of 14,890. The current 30-year fixed mortgage rate in Pineville is 6.67%, which is 0.02% above the national average. With a median home price of $160,000 and a 20% down payment of $32,000, homebuyers can expect a monthly principal and interest payment of approximately $823.
Current Mortgage Rates in Pineville, LA
Below are the current average mortgage rates available in the Pineville 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 | 6.67% | 6.65% | +0.02% |
| 15-Year Fixed | 5.93% | 5.89% | +0.04% |
| 5/1 ARM | 6.2% | 6.15% | +0.05% |
| FHA | 6.46% | 6.25% | +0.21% |
| VA | 6.21% | 6.05% | +0.16% |
| Jumbo | 6.92% | 6.85% | +0.07% |
Pineville Housing Market Overview
The Pineville housing market offers relatively affordable housing compared to many major cities. The median household income in Pineville is $44,500, and the cost of living index is 81.5 (national average = 100). Based on the 28% affordability rule, the median income in Pineville is sufficient to afford the median-priced home.
Monthly Payment Breakdown for Pineville
Based on the median home price of $160,000 with 20% down ($32,000), here is what you can expect to pay monthly in Pineville:
15-Year vs. 30-Year Mortgage in Pineville
Choosing a 15-year mortgage in Pineville at 5.93% instead of a 30-year at 6.67% would save you $102,780 in total interest over the life of the loan. However, your monthly payment would be $1,075 instead of $823 — an increase of $252 per month.
Calculate Your Pineville 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 Pineville
What are the current mortgage rates in Pineville, LA?
As of March 2026, the average 30-year fixed mortgage rate in Pineville, Louisiana is 6.67%, while the 15-year fixed rate is 5.93%. FHA loans average 6.46% and VA loans 6.21%. These rates are 0.02% above the national average of 6.65%.
How much is a monthly mortgage payment in Pineville?
Based on the median home price of $160,000 with 20% down, the estimated monthly mortgage payment in Pineville is $823 for principal and interest. Including property taxes of $68/month, the total monthly housing cost is approximately $891.
What income do I need to buy a home in Pineville?
Using the 28% rule, you would need an annual income of approximately $38,186 to afford the median-priced home in Pineville at $160,000. The median household income in Pineville is $44,500. The median income is currently sufficient to meet this threshold.
Is Pineville a good place to buy a home in 2026?
Pineville offers a below-average cost of living with a cost of living index of 81.5 (national average = 100). The property tax rate in Louisiana is 0.51%, which is below the national average. Pineville has a population of 14,890 and offers a very affordable lifestyle.
Mortgage Rates in Other Louisiana Cities
Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the Pineville, Louisiana area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.