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Flagstaff

Current Mortgage Rates in Flagstaff, Arizona

Compare mortgage rates and fees for leading lenders in Flagstaff, AZ. Review free, personalized mortgage rates based on your specifc loan amount, program and other factors. Easily compare APRs, closing costs and monthly payments to find the lender offering the best mortgage rates in Flagstaff.

We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in Flagstaff. Plus, shopping lenders is free and there is no obligation.

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Mortgage Rates in Flagstaff, AZ as of January 20, 2020
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Data provided by Informa Research Services. Payments do not include amounts for taxes and insurance premiums. Click for more information on rates and product details.
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How Do Today's Flagstaff, AZ Mortgage Rates Compare?

January 20, 2020

The current average rate for a 30 year fixed rate mortgage in Flagstaff is A.AAA%, the rate for a 15 year fixed rate mortgage is B.BBB% and the rate for a 5/1 adjustable rate mortgage (ARM) is C.CCC%

Mortgage Program
Today's
Flagstaff, AZ Rates
National
Average
Comparison
30 Year Fixed Rate
A.AAA%
3.690%
15 Year Fixed Rate
B.BBB%
3.150%
5/1 Adjustable Rate Mortgage
C.CCC%
3.350%

How Affordable is Housing in Flagstaff, Arizona?

Below we provide helpful information on the real estate market, home prices and housing affordability in Flagstaff. Understand how much you need to earn to afford a home in Flagstaff, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Flagstaff fits your budget. This information is based on proprietary analysis you can only find on FREEandCLEAR and we offer it to help you decide if living in Flagstaff is right for you.

The median home value for Flagstaff, AZ (Coconino County) is $322,898

Based on current mortgage rates and a 10% down payment, you need to make $58,113 per year to buy the median priced home in Flagstaff

With this income, you could qualify for a $290,608 mortgage, assuming your monthly debt expense is reasonable

Based on this loan amount, the monthly mortgage payment required to buy the median priced home in Flagstaff is $1,346

The median household income for Flagstaff, AZ (Coconino County) is $56,448

Based on this income, you can afford a home valued at approximately $313,643

The home price you can afford to buy based on household income in Flagstaff is 97% of the median home value which means housing prices are expensive. Flagstaff (Coconino County) ranks 14 out of 15 counties in Arizona and 3,012 out of 3,142 counties in the United States for housing affordability.

According to the FREEandCLEAR Housing Affordability Index, the housing market in Flagstaff, AZ is expensive

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Loan Limits for Flagstaff, Arizona

Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Flagstaff (Coconino County) below.

Conforming loan limits for Flagstaff, AZ

1 unit: $510,400
2 units: $653,550
3 units: $789,950
4 units: $981,700

FHA loan limits for Flagstaff, AZ

1 unit: $362,250
2 units: $463,750
3 units: $560,550
4 units: $696,650

VA loan limits for Flagstaff, AZ

1 unit: $510,400

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