Mortgage Rates in Youngtown, Arizona — March 2026
Updated March 2026 | Based on Youngtown market data and regional lending conditions
Youngtown is a smaller Arizona community of 46,464 where the housing market reflects local economic conditions. The current 30-year fixed rate here is 6.74% (0.09% above the national average). The median home price of $315,000 translates to roughly $1,764/month with 20% down — requiring an income of about $75,600, which exceeds the local median of $58,000.
Current Mortgage Rates in Youngtown, AZ
Below are the current average mortgage rates available in the Youngtown 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 | 6.74% | 6.65% | +0.09% |
| 15-Year Fixed | 5.98% | 5.89% | +0.09% |
| 5/1 ARM | 6.24% | 6.15% | +0.09% |
| FHA | 6.49% | 6.25% | +0.24% |
| VA | 6.24% | 6.05% | +0.19% |
| Jumbo | 6.99% | 6.85% | +0.14% |
Youngtown Housing Market Overview
Housing in Youngtown sits near the national average at $315,000. With a median household income of $58,000 and a cost of living index of 90.8, some buyers may need to look at lower price points or consider larger down payments.
Monthly Payment Breakdown for Youngtown
Based on the median home price of $315,000 with 20% down ($63,000), here is what you can expect to pay monthly in Youngtown:
15-Year vs. 30-Year Mortgage in Youngtown
Choosing a 15-year mortgage in Youngtown at 5.98% instead of a 30-year at 6.74% would save you $205,560 in total interest over the life of the loan. However, your monthly payment would be $2,124 instead of $1,633 — an increase of $491 per month.
Calculate Your Youngtown 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 Youngtown
What are the current mortgage rates in Youngtown, AZ?
As of March 2026, the average 30-year fixed mortgage rate in Youngtown, Arizona is 6.74%, while the 15-year fixed rate is 5.98%. FHA loans average 6.49% and VA loans 6.24%. These rates are 0.09% above the national average of 6.65%.
How much is a monthly mortgage payment in Youngtown?
Based on the median home price of $315,000 with 20% down, the estimated monthly mortgage payment in Youngtown is $1,633 for principal and interest. Including property taxes of $131/month, the total monthly housing cost is approximately $1,764.
What income do I need to buy a home in Youngtown?
Using the 28% rule, you would need an annual income of approximately $75,600 to afford the median-priced home in Youngtown at $315,000. The median household income in Youngtown is $58,000. This means most households would need to either earn above the median or consider homes below $315,000.
Is Youngtown a good place to buy a home in 2026?
Youngtown offers a below-average cost of living with a cost of living index of 90.8 (national average = 100). The property tax rate in Arizona is 0.5%, which is below the national average. Youngtown has a population of 46,464 and offers a very affordable lifestyle.
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Youngtown, Arizona area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.