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Compare Flagstaff, AZ mortgage rates and fees from top lenders. 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 lowest mortgage rates in Flagstaff.
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Flagstaff, AZ Mortgage Rates as of September 30, 2023
Loan terms assume conforming mortgage amount on single family residence, 80% LTV ratio and minimum borrower credit score of 740. $150,000 minimum mortgage amount. Borrower is responsible for $1,055 lender fee. Loan terms are subject to change without notice.
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Compare Today's Flagstaff, AZ Mortgage Rates
September 30, 2023
Current mortgage rates in Flagstaff, AZ are % for a 30 year fixed rate loan, % for a 15 year fixed loan and % for a 5/1 adjustable rate mortgage (ARM)
Mortgage Program
Today's Flagstaff, AZ Rates
National Average
Comparison
30 Year Fixed Rate
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7.190%
15 Year Fixed Rate
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6.540%
5/1 Adjustable Rate Mortgage
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6.750%
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 $443,531
Based on current mortgage rates and a 10% down payment, you need to make $92,528 per year to buy the median priced home in Flagstaff
With this income, you could qualify for a $399,178 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 $2,143
The median household income for Flagstaff, AZ (Coconino County) is $65,475
Based on this income, you can afford a home valued at approximately $313,855
The home price you can afford to buy based on household income in Flagstaff is 71% of the median home value which means housing prices are very expensive.
Flagstaff (Coconino County) ranks 14 out of 15 counties in Arizona and 3,066 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 very expensive
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:$726,200
2 units:$929,850
3 units:$1,123,900
4 units:$1,396,800
FHA loan limits for Flagstaff, AZ
1 unit:$517,500
2 units:$662,500
3 units:$800,800
4 units:$995,200
VA loan limits for Flagstaff, AZ
1 unit:$726,200
Additional Mortgage Resources for Flagstaff, AZ Residents