Mortgage Rates in Williamson, New York — March 2026
Updated March 2026 | Based on Williamson market data and regional lending conditions
Williamson is a smaller New York community of 29,400 where the housing market reflects local economic conditions. The current 30-year fixed rate here is 6.82% (0.17% above the national average). The median home price of $325,000 translates to roughly $2,110/month with 20% down — requiring an income of about $90,429, which exceeds the local median of $69,500.
Current Mortgage Rates in Williamson, NY
Below are the current average mortgage rates available in the Williamson 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 | 6.82% | 6.65% | +0.17% |
| 15-Year Fixed | 6.05% | 5.89% | +0.16% |
| 5/1 ARM | 6.29% | 6.15% | +0.14% |
| FHA | 6.54% | 6.25% | +0.29% |
| VA | 6.29% | 6.05% | +0.24% |
| Jumbo | 7.07% | 6.85% | +0.22% |
Williamson Housing Market Overview
Housing in Williamson sits near the national average at $325,000. With a median household income of $69,500 and a cost of living index of 114, some buyers may need to look at lower price points or consider larger down payments.
Monthly Payment Breakdown for Williamson
Based on the median home price of $325,000 with 20% down ($65,000), here is what you can expect to pay monthly in Williamson:
15-Year vs. 30-Year Mortgage in Williamson
Choosing a 15-year mortgage in Williamson at 6.05% instead of a 30-year at 6.82% would save you $215,100 in total interest over the life of the loan. However, your monthly payment would be $2,201 instead of $1,698 — an increase of $503 per month.
Calculate Your Williamson 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 Williamson
What are the current mortgage rates in Williamson, NY?
As of March 2026, the average 30-year fixed mortgage rate in Williamson, New York is 6.82%, while the 15-year fixed rate is 6.05%. FHA loans average 6.54% and VA loans 6.29%. These rates are 0.17% above the national average of 6.65%.
How much is a monthly mortgage payment in Williamson?
Based on the median home price of $325,000 with 20% down, the estimated monthly mortgage payment in Williamson is $1,698 for principal and interest. Including property taxes of $412/month, the total monthly housing cost is approximately $2,110.
What income do I need to buy a home in Williamson?
Using the 28% rule, you would need an annual income of approximately $90,429 to afford the median-priced home in Williamson at $325,000. The median household income in Williamson is $69,500. This means most households would need to either earn above the median or consider homes below $325,000.
Is Williamson a good place to buy a home in 2026?
Williamson has a moderate cost of living with a cost of living index of 114 (national average = 100). The property tax rate in New York is 1.52%, which is above the national average. Williamson has a population of 29,400 and offers a balanced lifestyle.
Mortgage Rates in Other New York Cities
Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the Williamson, New York area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.