Mortgage Rates in North Carolina — March 2026
Compare current mortgage rates across 55 cities in North Carolina. The average 30-year fixed rate is 6.65%, which is at the national average of 6.65%.
North Carolina Housing Highlights
All 55 Cities in North Carolina
| City | 30-Yr Rate | Home Price | Monthly P&I | Population |
|---|---|---|---|---|
| Charlotte | 6.69% | $365,000 | $1,882 | 874,579 |
| Raleigh | 6.69% | $415,000 | $2,140 | 467,665 |
| Greensboro | 6.69% | $235,000 | $1,212 | 299,035 |
| Durham | 6.69% | $345,000 | $1,779 | 283,506 |
| Winston-Salem | 6.69% | $225,000 | $1,160 | 249,545 |
| Fayetteville | 6.69% | $195,000 | $1,006 | 211,657 |
| Cary | 6.69% | $465,000 | $2,398 | 174,721 |
| Wilmington | 6.69% | $355,000 | $1,831 | 115,451 |
| High Point | 6.69% | $205,000 | $1,057 | 112,791 |
| Concord | 6.69% | $345,000 | $1,779 | 105,240 |
| Asheville | 6.69% | $415,000 | $2,140 | 94,067 |
| Greenville | 6.69% | $215,000 | $1,109 | 87,521 |
| Gastonia | 6.69% | $255,000 | $1,315 | 80,411 |
| Apex | 6.61% | $287,000 | $1,468 | 73,890 |
| Jacksonville | 6.69% | $225,000 | $1,160 | 72,405 |
| Huntersville | 6.82% | $304,000 | $1,589 | 62,310 |
| Chapel Hill | 6.79% | $260,000 | $1,355 | 61,960 |
| Burlington | 6.8% | $273,000 | $1,424 | 57,303 |
| Rocky Mount | 6.69% | $266,000 | $1,372 | 54,147 |
| Kannapolis | 6.73% | $274,000 | $1,419 | 53,268 |
| Wake Forest | 6.81% | $303,000 | $1,582 | 50,970 |
| Wilson | 6.83% | $262,000 | $1,371 | 49,167 |
| Mooresville | 6.75% | $287,000 | $1,489 | 48,100 |
| Holly Springs | 6.8% | $273,000 | $1,424 | 44,185 |
| Hickory | 6.63% | $266,000 | $1,363 | 44,147 |
| Indian Trail | 6.74% | $268,000 | $1,389 | 39,533 |
| Monroe | 6.62% | $291,000 | $1,490 | 37,370 |
| Fuquay-Varina | 6.14% | $385,000 | $1,874 | 35,748 |
| Garner | 6.42% | $345,000 | $1,730 | 34,279 |
| Salisbury | 6.65% | $280,000 | $1,438 | 33,663 |
| Goldsboro | 6.73% | $285,000 | $1,476 | 33,149 |
| Matthews | 6.77% | $263,000 | $1,367 | 32,678 |
| Cornelius | 6.84% | $296,000 | $1,550 | 32,547 |
| New Bern | 6.67% | $289,000 | $1,487 | 30,242 |
| Sanford | 6.01% | $225,000 | $1,080 | 29,994 |
| Mint Hill | 6.75% | $296,000 | $1,536 | 27,690 |
| Statesville | 6.21% | $265,000 | $1,300 | 27,528 |
| Thomasville | 6.59% | $195,000 | $995 | 27,005 |
| Clayton | 6.77% | $291,000 | $1,513 | 26,700 |
| Asheboro | 6.79% | $195,000 | $1,016 | 25,823 |
| Kernersville | 6.15% | $275,000 | $1,340 | 25,547 |
| Leland | 6.7% | $262,000 | $1,353 | 23,863 |
| Carrboro | 6.64% | $243,000 | $1,247 | 21,295 |
| Lumberton | 6.58% | $125,000 | $637 | 20,487 |
| Shelby | 6.79% | $185,000 | $963 | 20,466 |
| Kinston | 6.89% | $242,000 | $1,274 | 20,207 |
| Waxhaw | 6.82% | $234,000 | $1,223 | 19,250 |
| Boone | 6.19% | $365,000 | $1,786 | 19,182 |
| Elizabeth City | 6.74% | $235,000 | $1,218 | 17,188 |
| Harrisburg | 6.88% | $273,000 | $1,435 | 17,116 |
| Morganton | 6.31% | $205,000 | $1,016 | 17,044 |
| Pinehurst | 6.67% | $272,000 | $1,400 | 16,780 |
| Southern Pines | 6.82% | $279,000 | $1,458 | 15,773 |
| Davidson | 6.77% | $286,000 | $1,487 | 14,028 |
| Hendersonville | 6.15% | $345,000 | $1,681 | 14,020 |
North Carolina Mortgage Rates Guide — 2026
North Carolina homebuyers currently see an average 30-year fixed mortgage rate of 6.65%, with median home prices around $278,364. At these rates, the typical monthly mortgage payment (principal and interest with 20% down) is $1,429.
The most affordable city for homebuyers in North Carolina is Lumberton, where the median home price is $125,000. On the other end, Cary has the highest prices at $465,000. Property tax rates across the state average 0.77%.
To comfortably afford a home at the state average price, a household income of approximately $61,243 is recommended, following the standard guideline that housing costs should not exceed 28% of gross income.
Use our free loan calculator to see your exact monthly payments and amortization schedule, or browse individual city pages below for localized rate data and market insights.
Frequently Asked Questions — North Carolina Mortgages
What are current mortgage rates in North Carolina?
As of March 2026, the average 30-year fixed mortgage rate in North Carolina is 6.65% and the 15-year fixed rate averages 5.89%. Rates vary by city, lender, and borrower qualification.
What is the average home price in North Carolina?
The median home price across 55 cities in North Carolina is $278,364. Prices range from $125,000 in Lumberton to $465,000 in Cary.
How much income do I need to buy a house in North Carolina?
Based on the 28% debt-to-income guideline, you would need a household income of approximately $61,243 to comfortably afford the average home in North Carolina. The median household income in the state is approximately $52,603.
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