Mortgage Rates in Wilsonville, Oregon — March 2026
Updated March 2026 | Based on Wilsonville market data and regional lending conditions
Wilsonville is a growing city in Oregon with a population of 26,713. The current 30-year fixed mortgage rate in Wilsonville is 6.65%, which is at the national average. With a median home price of $396,000 and a 20% down payment of $79,200, homebuyers can expect a monthly principal and interest payment of approximately $2,034.
Current Mortgage Rates in Wilsonville, OR
Below are the current average mortgage rates available in the Wilsonville 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 | 6.65% | 6.65% | 0% |
| 15-Year Fixed | 5.91% | 5.89% | +0.02% |
| 5/1 ARM | 6.19% | 6.15% | +0.04% |
| FHA | 6.45% | 6.25% | +0.2% |
| VA | 6.2% | 6.05% | +0.15% |
| Jumbo | 6.9% | 6.85% | +0.05% |
Wilsonville Housing Market Overview
The Wilsonville housing market reflects moderate demand with prices near the national average. The median household income in Wilsonville is $68,600, and the cost of living index is 108 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $100,029 to comfortably afford the median-priced home in Wilsonville, which exceeds the current median household income.
Monthly Payment Breakdown for Wilsonville
Based on the median home price of $396,000 with 20% down ($79,200), 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 5.91% instead of a 30-year at 6.65% would save you $253,800 in total interest over the life of the loan. However, your monthly payment would be $2,658 instead of $2,034 — an increase of $624 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, OR?
As of March 2026, the average 30-year fixed mortgage rate in Wilsonville, Oregon is 6.65%, while the 15-year fixed rate is 5.91%. FHA loans average 6.45% and VA loans 6.2%. These rates are at the national average of 6.65%.
How much is a monthly mortgage payment in Wilsonville?
Based on the median home price of $396,000 with 20% down, the estimated monthly mortgage payment in Wilsonville is $2,034 for principal and interest. Including property taxes of $300/month, the total monthly housing cost is approximately $2,334.
What income do I need to buy a home in Wilsonville?
Using the 28% rule, you would need an annual income of approximately $100,029 to afford the median-priced home in Wilsonville at $396,000. The median household income in Wilsonville is $68,600. This means most households would need to either earn above the median or consider homes below $396,000.
Is Wilsonville a good place to buy a home in 2026?
Wilsonville has a moderate cost of living with a cost of living index of 108 (national average = 100). The property tax rate in Oregon is 0.91%, which is near the national average. Wilsonville has a population of 26,713 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 Wilsonville, Oregon area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.