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Goldsboro

Current Mortgage Rates in Goldsboro, North Carolina

Compare mortgage rates and fees for leading lenders in Goldsboro, NC. 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 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.

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Mortgage Rates in Goldsboro, NC as of October 23, 2019
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Get Personalized Mortgage Quotes for Goldsboro, NC

Input your information to receive personalized mortgage quotes from preferred lenders. Comparing proposals from multiple lenders is the best way to save money on your mortgage.

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 Goldsboro, NC Mortgage Rates Compare?

October 23, 2019

The current average rate for a 30 year fixed rate mortgage in Goldsboro 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
Goldsboro, NC Rates
National
Average
Comparison
30 Year Fixed Rate
A.AAA%
3.690%
15 Year Fixed Rate
B.BBB%
3.150%
5/1 Adjustable Rate Mortgage
C.CCC%
3.350%

How Affordable is Housing in Goldsboro, North Carolina?

The median home value for Goldsboro, NC (Wayne County) is $119,834

The median household income for Goldsboro, NC (Wayne County) is $43,043

Based on current mortgage rates and a 10% down payment, you need to make $22,233 per year to buy the median priced home in Goldsboro

The home price you can afford to buy based on household income in Goldsboro is 194% of the median home value which means housing prices are average

Goldsboro (Wayne County) ranks 22 out of 100 counties in North Carolina and 1,712 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

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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: $484,350
2 units: $620,200
3 units: $749,650
4 units: $931,600

FHA loan limits for Goldsboro, NC

1 unit: $314,827
2 units: $403,125
3 units: $487,250
4 units: $605,525

VA loan limits for Goldsboro, NC

1 unit: $484,350

Additional Mortgage Resources for Goldsboro, NC 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