Compare Current Harnett, North Carolina Mortgage Rates

Compare Harnett, 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 Harnett.

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

Harnett, NC 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 Harnett, NC Mortgage Rates

December 1, 2022

Current mortgage rates in Harnett, 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
Harnett, NC Rates
30 Year Fixed Rate
15 Year Fixed Rate
5/1 Adjustable Rate Mortgage

How Affordable is Housing in Harnett, North Carolina?

Below we provide helpful information on the real estate market, home prices and housing affordability in Harnett. Understand how much you need to earn to afford a home in Harnett, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Harnett 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 Harnett is right for you.

The median home value for Harnett, NC is $207,637

Based on current mortgage rates and a 10% down payment, you need to make $34,021 per year to buy the median priced home in Harnett

With this income, you could qualify for a $186,873 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 Harnett is $788

The median household income for Harnett, NC is $60,262

Based on this income, you can afford a home valued at approximately $367,796

The home price you can afford to buy based on household income in Harnett is 177% of the median home value which means housing prices are average. Harnett ranks 48 out of 100 counties in North Carolina and 2,178 out of 3,142 counties in the United States for housing affordability.

According to the FREEandCLEAR Housing Affordability Index, the housing market in Harnett, NC is average


Loan Limits for Harnett, North Carolina

Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Harnett below.

Conforming loan limits for Harnett, NC

1 unit: $647,200
2 units: $828,700
3 units: $1,001,650
4 units: $1,244,850

FHA loan limits for Harnett, NC

1 unit: $420,680
2 units: $538,650
3 units: $651,050
4 units: $809,150

VA loan limits for Harnett, NC

1 unit: $647,200

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