Mortgage Rates in Rifle, Colorado — March 2026
Updated March 2026 | Based on Rifle market data and regional lending conditions
Rifle is a growing city in Colorado with a population of 10,157. The current 30-year fixed mortgage rate in Rifle is 6.72%, which is 0.07% above the national average. With a median home price of $427,000 and a 20% down payment of $85,400, homebuyers can expect a monthly principal and interest payment of approximately $2,209.
Current Mortgage Rates in Rifle, CO
Below are the current average mortgage rates available in the Rifle 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 | 6.72% | 6.65% | +0.07% |
| 15-Year Fixed | 5.97% | 5.89% | +0.08% |
| 5/1 ARM | 6.23% | 6.15% | +0.08% |
| FHA | 6.49% | 6.25% | +0.24% |
| VA | 6.24% | 6.05% | +0.19% |
| Jumbo | 6.97% | 6.85% | +0.12% |
Rifle Housing Market Overview
The Rifle housing market reflects moderate demand with prices near the national average. The median household income in Rifle is $75,800, and the cost of living index is 101.9 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $102,300 to comfortably afford the median-priced home in Rifle, which exceeds the current median household income.
Monthly Payment Breakdown for Rifle
Based on the median home price of $427,000 with 20% down ($85,400), here is what you can expect to pay monthly in Rifle:
15-Year vs. 30-Year Mortgage in Rifle
Choosing a 15-year mortgage in Rifle at 5.97% instead of a 30-year at 6.72% would save you $277,380 in total interest over the life of the loan. However, your monthly payment would be $2,877 instead of $2,209 — an increase of $668 per month.
Calculate Your Rifle 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 Rifle
What are the current mortgage rates in Rifle, CO?
As of March 2026, the average 30-year fixed mortgage rate in Rifle, Colorado is 6.72%, while the 15-year fixed rate is 5.97%. FHA loans average 6.49% and VA loans 6.24%. These rates are 0.07% above the national average of 6.65%.
How much is a monthly mortgage payment in Rifle?
Based on the median home price of $427,000 with 20% down, the estimated monthly mortgage payment in Rifle is $2,209 for principal and interest. Including property taxes of $178/month, the total monthly housing cost is approximately $2,387.
What income do I need to buy a home in Rifle?
Using the 28% rule, you would need an annual income of approximately $102,300 to afford the median-priced home in Rifle at $427,000. The median household income in Rifle is $75,800. This means most households would need to either earn above the median or consider homes below $427,000.
Is Rifle a good place to buy a home in 2026?
Rifle has a moderate cost of living with a cost of living index of 101.9 (national average = 100). The property tax rate in Colorado is 0.5%, which is below the national average. Rifle has a population of 10,157 and offers a balanced lifestyle.
Mortgage Rates in Other Colorado Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Rifle, Colorado area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.