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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 August 22, 2019
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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.

How Do Today's Flagstaff, AZ Mortgage Rates Compare?

August 22, 2019

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%
3.600%
15 Year Fixed Rate
B.BBB%
3.050%
5/1 Adjustable Rate Mortgage
C.CCC%
3.360%

How Affordable is Housing in Flagstaff, Arizona?

The median home value for Flagstaff, AZ (Coconino County) is $303,476

The median household income for Flagstaff, AZ (Coconino County) is $55,159

Based on current mortgage rates and a 10% down payment, you need to make $56,304 per year to buy the median priced home in Flagstaff

The home price you can afford to by based on household income in Flagstaff is 98% of the median home value which means housing prices are expensive

Flagstaff (Coconino County) ranks 14 out of 15 counties in Arizona and 3,011 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: $484,350
2 units: $620,200
3 units: $749,650
4 units: $931,600

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: $484,350

Additional Mortgage Resources for Flagstaff, AZ Residents

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Sources

US Census Bureau American Community Survey: https://www.census.gov/programs-surveys/acs

FHFA House Price Index: https://www.fhfa.gov/DataTools/Downloads/Pages/House-Price-Index-Datasets.aspx#qat

Income Growth: https://www.bls.gov

National Average Rates: http://www.freddiemac.com/pmms/

Conforming Loan Limits: https://www.fhfa.gov/DataTools/Downloads/Pages/Conforming-Loan-Limits.aspx

FHA Loan Limits: https://entp.hud.gov/idapp/html/hicostlook.cfm

VA Loan Limits: https://www.benefits.va.gov/homeloans/purchaseco_loan_limits.asp

FREEandCLEAR Housing Affordability Index