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Compare Current Goldsboro, North Carolina Mortgage Rates
Compare Goldsboro, NC 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 Goldsboro.
We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in Goldsboro. 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 Goldsboro, NC Mortgage Rates
July 14, 2025
Current mortgage rates in Goldsboro, NC 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 Goldsboro, NC 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 Goldsboro, North Carolina?
Below we provide helpful information on the real estate market, home prices and housing affordability in Goldsboro. Understand how much you need to earn to afford a home in Goldsboro, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Goldsboro 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 Goldsboro is right for you.
The median home value for Goldsboro, NC (Wayne County) is $183,673
Based on current mortgage rates and a 10% down payment, you need to make $38,317 per year to buy the median priced home in Goldsboro
With this income, you could qualify for a $165,306 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 Goldsboro is $887
The median household income for Goldsboro, NC (Wayne County) is $48,290
Based on this income, you can afford a home valued at approximately $231,477
The home price you can afford to buy based on household income in Goldsboro is 126% of the median home value which means housing prices are average.
Goldsboro (Wayne County) ranks 55 out of 100 counties in North Carolina and 2,401 out of 3,142 counties in the United States for housing affordability.
According to the FREEandCLEAR Housing Affordability Index, the housing market in Goldsboro, NC is average
Loan Limits for Goldsboro, North Carolina
Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Goldsboro (Wayne County) below.
Conforming loan limits for Goldsboro, NC
1 unit:$726,200
2 units:$929,850
3 units:$1,123,900
4 units:$1,396,800
FHA loan limits for Goldsboro, NC
1 unit:$472,030
2 units:$604,400
3 units:$730,525
4 units:$907,900
VA loan limits for Goldsboro, NC
1 unit:$726,200
Additional Mortgage Resources for Goldsboro, NC Residents