Mortgage Rates in Tualatin, Oregon — March 2026
Updated March 2026 | Based on Tualatin market data and regional lending conditions
Tualatin is a growing city in Oregon with a population of 28,024. The current 30-year fixed mortgage rate in Tualatin is 6.89%, which is 0.24% above the national average. With a median home price of $411,000 and a 20% down payment of $82,200, homebuyers can expect a monthly principal and interest payment of approximately $2,163.
Current Mortgage Rates in Tualatin, OR
Below are the current average mortgage rates available in the Tualatin 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 | 6.89% | 6.65% | +0.24% |
| 15-Year Fixed | 6.1% | 5.89% | +0.21% |
| 5/1 ARM | 6.33% | 6.15% | +0.18% |
| FHA | 6.57% | 6.25% | +0.32% |
| VA | 6.32% | 6.05% | +0.27% |
| Jumbo | 7.14% | 6.85% | +0.29% |
Tualatin Housing Market Overview
The Tualatin housing market reflects moderate demand with prices near the national average. The median household income in Tualatin is $70,100, and the cost of living index is 111.7 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $106,371 to comfortably afford the median-priced home in Tualatin, which exceeds the current median household income.
Monthly Payment Breakdown for Tualatin
Based on the median home price of $411,000 with 20% down ($82,200), here is what you can expect to pay monthly in Tualatin:
15-Year vs. 30-Year Mortgage in Tualatin
Choosing a 15-year mortgage in Tualatin at 6.1% instead of a 30-year at 6.89% would save you $276,120 in total interest over the life of the loan. However, your monthly payment would be $2,792 instead of $2,163 — an increase of $629 per month.
Calculate Your Tualatin 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 Tualatin
What are the current mortgage rates in Tualatin, OR?
As of March 2026, the average 30-year fixed mortgage rate in Tualatin, Oregon is 6.89%, while the 15-year fixed rate is 6.1%. FHA loans average 6.57% and VA loans 6.32%. These rates are 0.24% above the national average of 6.65%.
How much is a monthly mortgage payment in Tualatin?
Based on the median home price of $411,000 with 20% down, the estimated monthly mortgage payment in Tualatin is $2,163 for principal and interest. Including property taxes of $319/month, the total monthly housing cost is approximately $2,482.
What income do I need to buy a home in Tualatin?
Using the 28% rule, you would need an annual income of approximately $106,371 to afford the median-priced home in Tualatin at $411,000. The median household income in Tualatin is $70,100. This means most households would need to either earn above the median or consider homes below $411,000.
Is Tualatin a good place to buy a home in 2026?
Tualatin has a moderate cost of living with a cost of living index of 111.7 (national average = 100). The property tax rate in Oregon is 0.93%, which is near the national average. Tualatin has a population of 28,024 and offers a balanced lifestyle.
Mortgage Rates in Other Oregon Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Tualatin, Oregon area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.