Mortgage Rates in Sedona, Arizona — March 2026
Updated March 2026 | Based on Sedona market data and regional lending conditions
Sedona is a growing city in Arizona with a population of 10,336. The current 30-year fixed mortgage rate in Sedona is 6.73%, which is 0.08% above the national average. With a median home price of $356,000 and a 20% down payment of $71,200, homebuyers can expect a monthly principal and interest payment of approximately $1,843.
Current Mortgage Rates in Sedona, AZ
Below are the current average mortgage rates available in the Sedona 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 | 6.73% | 6.65% | +0.08% |
| 15-Year Fixed | 5.97% | 5.89% | +0.08% |
| 5/1 ARM | 6.24% | 6.15% | +0.09% |
| FHA | 6.49% | 6.25% | +0.24% |
| VA | 6.24% | 6.05% | +0.19% |
| Jumbo | 6.98% | 6.85% | +0.13% |
Sedona Housing Market Overview
The Sedona housing market reflects moderate demand with prices near the national average. The median household income in Sedona is $64,700, and the cost of living index is 98.8 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $87,386 to comfortably afford the median-priced home in Sedona, which exceeds the current median household income.
Monthly Payment Breakdown for Sedona
Based on the median home price of $356,000 with 20% down ($71,200), here is what you can expect to pay monthly in Sedona:
15-Year vs. 30-Year Mortgage in Sedona
Choosing a 15-year mortgage in Sedona at 5.97% instead of a 30-year at 6.73% would save you $231,660 in total interest over the life of the loan. However, your monthly payment would be $2,399 instead of $1,843 — an increase of $556 per month.
Calculate Your Sedona 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 Sedona
What are the current mortgage rates in Sedona, AZ?
As of March 2026, the average 30-year fixed mortgage rate in Sedona, Arizona is 6.73%, while the 15-year fixed rate is 5.97%. FHA loans average 6.49% and VA loans 6.24%. These rates are 0.08% above the national average of 6.65%.
How much is a monthly mortgage payment in Sedona?
Based on the median home price of $356,000 with 20% down, the estimated monthly mortgage payment in Sedona is $1,843 for principal and interest. Including property taxes of $196/month, the total monthly housing cost is approximately $2,039.
What income do I need to buy a home in Sedona?
Using the 28% rule, you would need an annual income of approximately $87,386 to afford the median-priced home in Sedona at $356,000. The median household income in Sedona is $64,700. This means most households would need to either earn above the median or consider homes below $356,000.
Is Sedona a good place to buy a home in 2026?
Sedona offers a below-average cost of living with a cost of living index of 98.8 (national average = 100). The property tax rate in Arizona is 0.66%, which is below the national average. Sedona has a population of 10,336 and offers a balanced lifestyle.
Mortgage Rates in Other Arizona Cities
Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the Sedona, Arizona area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.