Mortgage Rates in West Linn, Oregon — March 2026
Updated March 2026 | Based on West Linn market data and regional lending conditions
West Linn is a growing city in Oregon with a population of 26,672. The current 30-year fixed mortgage rate in West Linn is 6.89%, which is 0.24% above the national average. With a median home price of $418,000 and a 20% down payment of $83,600, homebuyers can expect a monthly principal and interest payment of approximately $2,200.
Current Mortgage Rates in West Linn, OR
Below are the current average mortgage rates available in the West Linn 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% |
West Linn Housing Market Overview
The West Linn housing market reflects moderate demand with prices near the national average. The median household income in West Linn is $58,500, and the cost of living index is 112.1 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $109,371 to comfortably afford the median-priced home in West Linn, which exceeds the current median household income.
Monthly Payment Breakdown for West Linn
Based on the median home price of $418,000 with 20% down ($83,600), here is what you can expect to pay monthly in West Linn:
15-Year vs. 30-Year Mortgage in West Linn
Choosing a 15-year mortgage in West Linn at 6.1% instead of a 30-year at 6.89% would save you $280,800 in total interest over the life of the loan. However, your monthly payment would be $2,840 instead of $2,200 — an increase of $640 per month.
Calculate Your West Linn 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 West Linn
What are the current mortgage rates in West Linn, OR?
As of March 2026, the average 30-year fixed mortgage rate in West Linn, 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 West Linn?
Based on the median home price of $418,000 with 20% down, the estimated monthly mortgage payment in West Linn is $2,200 for principal and interest. Including property taxes of $352/month, the total monthly housing cost is approximately $2,552.
What income do I need to buy a home in West Linn?
Using the 28% rule, you would need an annual income of approximately $109,371 to afford the median-priced home in West Linn at $418,000. The median household income in West Linn is $58,500. This means most households would need to either earn above the median or consider homes below $418,000.
Is West Linn a good place to buy a home in 2026?
West Linn has a moderate cost of living with a cost of living index of 112.1 (national average = 100). The property tax rate in Oregon is 1.01%, which is near the national average. West Linn has a population of 26,672 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 West Linn, Oregon area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.