Mortgage Rates in Wilsonville, Alabama — April 2026
Updated April 2026 | Based on Wilsonville market data and regional lending conditions
Wilsonville is a smaller Alabama community of 22,213 where home prices remain well below the national median, making homeownership more attainable. The current 30-year fixed rate here is 6.76% (0.11% above the national average). At a median home price of $145,000, the estimated $804/month payment (with 20% down) is affordable on the local median income of $61,500.
Current Mortgage Rates in Wilsonville, AL
Below are the current average mortgage rates available in the Wilsonville area as of April 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 | 6.76% | 6.65% | +0.11% |
| 15-Year Fixed | 6% | 5.89% | +0.11% |
| 5/1 ARM | 6.26% | 6.15% | +0.11% |
| FHA | 6.51% | 6.25% | +0.26% |
| VA | 6.26% | 6.05% | +0.21% |
| Jumbo | 7.01% | 6.85% | +0.16% |
Wilsonville Housing Market Overview
Wilsonville is one of the more affordable housing markets, with a median home price of just $145,000 — significantly below the national median. Combined with a property tax rate of 0.42%, the total monthly housing cost of $804 is within reach for many local households earning the median $61,500.
Monthly Payment Breakdown for Wilsonville
Based on the median home price of $145,000 with 20% down ($29,000), here is what you can expect to pay monthly in Wilsonville:
15-Year vs. 30-Year Mortgage in Wilsonville
Choosing a 15-year mortgage in Wilsonville at 6% instead of a 30-year at 6.76% would save you $94,860 in total interest over the life of the loan. However, your monthly payment would be $979 instead of $753 — an increase of $226 per month.
Calculate Your Wilsonville 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 Wilsonville
What are the current mortgage rates in Wilsonville, AL?
As of April 2026, the average 30-year fixed mortgage rate in Wilsonville, Alabama is 6.76%, while the 15-year fixed rate is 6%. FHA loans average 6.51% and VA loans 6.26%. These rates are 0.11% above the national average of 6.65%.
How much is a monthly mortgage payment in Wilsonville?
Based on the median home price of $145,000 with 20% down, the estimated monthly mortgage payment in Wilsonville is $753 for principal and interest. Including property taxes of $51/month, the total monthly housing cost is approximately $804.
What income do I need to buy a home in Wilsonville?
Using the 28% rule, you would need an annual income of approximately $34,457 to afford the median-priced home in Wilsonville at $145,000. The median household income in Wilsonville is $61,500. The median income is currently sufficient to meet this threshold.
Is Wilsonville a good place to buy a home in 2026?
Wilsonville offers a below-average cost of living with a cost of living index of 92.1 (national average = 100). The property tax rate in Alabama is 0.42%, which is below the national average. Wilsonville has a population of 22,213 and offers a very affordable lifestyle.
Mortgage Rates in Other Alabama Cities
Related Tools & Guides
Last updated: April 2026. Rates are approximate averages based on regional lending data for the Wilsonville, Alabama area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.