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Compare Current Valparaiso, Indiana Mortgage Rates
Compare Valparaiso, IN 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 Valparaiso.
We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in Valparaiso. Plus, shopping lenders is free and there is no obligation.
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 Valparaiso, IN Mortgage Rates
July 11, 2025
Current mortgage rates in Valparaiso, IN 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 Valparaiso, IN Rates
National Average
Comparison
30 Year Fixed Rate
%
6.670%
15 Year Fixed Rate
%
5.960%
5/1 Adjustable Rate Mortgage
%
6.250%
How Affordable is Housing in Valparaiso, Indiana?
Below we provide helpful information on the real estate market, home prices and housing affordability in Valparaiso. Understand how much you need to earn to afford a home in Valparaiso, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Valparaiso 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 Valparaiso is right for you.
The median home value for Valparaiso, IN (Porter County) is $288,209
Based on current mortgage rates and a 10% down payment, you need to make $60,125 per year to buy the median priced home in Valparaiso
With this income, you could qualify for a $259,388 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 Valparaiso is $1,392
The median household income for Valparaiso, IN (Porter County) is $81,723
Based on this income, you can afford a home valued at approximately $391,739
The home price you can afford to buy based on household income in Valparaiso is 136% of the median home value which means housing prices are average.
Valparaiso (Porter County) ranks 86 out of 92 counties in Indiana and 2,214 out of 3,142 counties in the United States for housing affordability.
According to the FREEandCLEAR Housing Affordability Index, the housing market in Valparaiso, IN is average
Loan Limits for Valparaiso, Indiana
Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Valparaiso (Porter County) below.
Conforming loan limits for Valparaiso, IN
1 unit:$726,200
2 units:$929,850
3 units:$1,123,900
4 units:$1,396,800
FHA loan limits for Valparaiso, IN
1 unit:$472,030
2 units:$604,400
3 units:$730,525
4 units:$907,900
VA loan limits for Valparaiso, IN
1 unit:$726,200
Additional Mortgage Resources for Valparaiso, IN Residents