Mortgage Rates in Pulaski, Virginia — March 2026
Updated March 2026 | Based on Pulaski market data and regional lending conditions
Pulaski is a growing city in Virginia with a population of 8,676. The current 30-year fixed mortgage rate in Pulaski is 6.61%, which is 0.04% below the national average. With a median home price of $326,000 and a 20% down payment of $65,200, homebuyers can expect a monthly principal and interest payment of approximately $1,667.
Current Mortgage Rates in Pulaski, VA
Below are the current average mortgage rates available in the Pulaski 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% |
Pulaski Housing Market Overview
The Pulaski housing market reflects moderate demand with prices near the national average. The median household income in Pulaski is $67,100, and the cost of living index is 93 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $80,657 to comfortably afford the median-priced home in Pulaski, which exceeds the current median household income.
Monthly Payment Breakdown for Pulaski
Based on the median home price of $326,000 with 20% down ($65,200), here is what you can expect to pay monthly in Pulaski:
15-Year vs. 30-Year Mortgage in Pulaski
Choosing a 15-year mortgage in Pulaski at 5.88% instead of a 30-year at 6.61% would save you $207,000 in total interest over the life of the loan. However, your monthly payment would be $2,184 instead of $1,667 — an increase of $517 per month.
Calculate Your Pulaski 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 Pulaski
What are the current mortgage rates in Pulaski, VA?
As of March 2026, the average 30-year fixed mortgage rate in Pulaski, Virginia 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 Pulaski?
Based on the median home price of $326,000 with 20% down, the estimated monthly mortgage payment in Pulaski is $1,667 for principal and interest. Including property taxes of $215/month, the total monthly housing cost is approximately $1,882.
What income do I need to buy a home in Pulaski?
Using the 28% rule, you would need an annual income of approximately $80,657 to afford the median-priced home in Pulaski at $326,000. The median household income in Pulaski is $67,100. This means most households would need to either earn above the median or consider homes below $326,000.
Is Pulaski a good place to buy a home in 2026?
Pulaski offers a below-average cost of living with a cost of living index of 93 (national average = 100). The property tax rate in Virginia is 0.79%, which is below the national average. Pulaski has a population of 8,676 and offers a very affordable lifestyle.
Mortgage Rates in Other Virginia Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Pulaski, Virginia area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.