Mortgage Rates in Port Huron, Michigan — March 2026
Updated March 2026 | Based on Port Huron market data and regional lending conditions
Port Huron is a growing city in Michigan with a population of 28,918. The current 30-year fixed mortgage rate in Port Huron is 6.61%, which is 0.04% below the national average. With a median home price of $234,000 and a 20% down payment of $46,800, homebuyers can expect a monthly principal and interest payment of approximately $1,197.
Current Mortgage Rates in Port Huron, MI
Below are the current average mortgage rates available in the Port Huron 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 | 6.61% | 6.65% | -0.04% |
| 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 | 6.86% | 6.85% | +0.01% |
Port Huron Housing Market Overview
The Port Huron housing market offers relatively affordable housing compared to many major cities. The median household income in Port Huron is $54,300, and the cost of living index is 89.8 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $63,514 to comfortably afford the median-priced home in Port Huron, which exceeds the current median household income.
Monthly Payment Breakdown for Port Huron
Based on the median home price of $234,000 with 20% down ($46,800), here is what you can expect to pay monthly in Port Huron:
15-Year vs. 30-Year Mortgage in Port Huron
Choosing a 15-year mortgage in Port Huron at 5.88% instead of a 30-year at 6.61% would save you $148,680 in total interest over the life of the loan. However, your monthly payment would be $1,568 instead of $1,197 — an increase of $371 per month.
Calculate Your Port Huron 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 Port Huron
What are the current mortgage rates in Port Huron, MI?
As of March 2026, the average 30-year fixed mortgage rate in Port Huron, Michigan is 6.61%, while the 15-year fixed rate is 5.88%. FHA loans average 6.43% and VA loans 6.18%. These rates are 0.04% below the national average of 6.65%.
How much is a monthly mortgage payment in Port Huron?
Based on the median home price of $234,000 with 20% down, the estimated monthly mortgage payment in Port Huron is $1,197 for principal and interest. Including property taxes of $285/month, the total monthly housing cost is approximately $1,482.
What income do I need to buy a home in Port Huron?
Using the 28% rule, you would need an annual income of approximately $63,514 to afford the median-priced home in Port Huron at $234,000. The median household income in Port Huron is $54,300. This means most households would need to either earn above the median or consider homes below $234,000.
Is Port Huron a good place to buy a home in 2026?
Port Huron offers a below-average cost of living with a cost of living index of 89.8 (national average = 100). The property tax rate in Michigan is 1.46%, which is near the national average. Port Huron has a population of 28,918 and offers a very affordable lifestyle.
Mortgage Rates in Other Michigan Cities
Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the Port Huron, Michigan area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.