North Carolina

Current North Carolina Mortgage Rates

Compare North Carolina 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 North Carolina.

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

North Carolina Mortgage Rates as of December 1, 2022
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Data provided by Icanbuy. Payments do not include amounts for taxes and insurance premiums. Read through our lender table disclaimer for more information on rates and product details.


Compare Today's North Carolina Mortgage Rates

December 1, 2022

Current mortgage rates in North Carolina 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
North Carolina Rates
30 Year Fixed Rate
15 Year Fixed Rate
5/1 Adjustable Rate Mortgage

How Affordable is Housing in North Carolina?

Below we offer valuable insights on the housing market and real estate prices in North Carolina. Understand how much you need to make to buy a house in North Carolina, including the mortgage you need. Review the monthy loan payment so you can determine if home ownership in North Carolina is affordable for you. We provide this helpful information to help you decide if living in North Carolina is right for you.

The median home value for North Carolina is $257,299

Based on current mortgage rates and a 10% down payment, the income required to buy the median priced home in North Carolina is $42,157

With this income, you could qualify for a $231,570 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 North Carolina is $976

The median household income for North Carolina is $63,702

Based on this income, you can afford a home valued at approximately $388,793

The home price you can afford to buy based on household income in North Carolina is 151% of the median home value which means housing prices are average. North Carolina ranks 27 out of 50 states for housing affordability.

According to the FREEandCLEAR Housing Affordability Index, the real estate market in North Carolina is average


Additional Mortgage Resources for North Carolina Residents

Mortgage Rates for North Carolina Cities

Asheville Mortgage Rates

Burlington Mortgage Rates

Chapel Hill Mortgage Rates

Charlotte Mortgage Rates

Clayton Mortgage Rates

Concord Mortgage Rates

Durham Mortgage Rates

Fayetteville Mortgage Rates

Gastonia Mortgage Rates

Goldsboro Mortgage Rates

Greensboro Mortgage Rates

Greenville Mortgage Rates

Harnett Mortgage Rates

Hendersonville Mortgage Rates

Hickory Mortgage Rates

High Point Mortgage Rates

Jacksonville Mortgage Rates

Leland Mortgage Rates

Lumberton Mortgage Rates

Monroe Mortgage Rates

Moore Mortgage Rates

Mooresville Mortgage Rates

New Bern Mortgage Rates

Raleigh Mortgage Rates

Salisbury Mortgage Rates

Thomasville Mortgage Rates

Wilmington Mortgage Rates

Winston Salem Mortgage Rates