High Point

Current Mortgage Rates in High Point, North Carolina

Compare mortgage rates and fees for leading lenders in High Point, 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 High Point.

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

Mortgage Rates in High Point, NC as of September 29, 2020
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Data provided by Brown Bag Marketing, Inc. Payments do not include amounts for taxes and insurance premiums. Read through our lender table disclaimer for more on rates and product details.


How Do Today's High Point, NC Mortgage Rates Compare?

September 29, 2020

The current average rate for a 30 year fixed rate mortgage in High Point 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
High Point, NC Rates
30 Year Fixed Rate
15 Year Fixed Rate
5/1 Adjustable Rate Mortgage

How Affordable is Housing in High Point, North Carolina?

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

The median home value for High Point, NC (Randolph County) is $143,965

Based on current mortgage rates and a 10% down payment, you need to make $25,910 per year to buy the median priced home in High Point

With this income, you could qualify for a $129,569 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 High Point is $600

The median household income for High Point, NC (Randolph County) is $45,980

Based on this income, you can afford a home valued at approximately $255,483

The home price you can afford to buy based on household income in High Point is 177% of the median home value which means housing prices are average. High Point (Randolph County) ranks 36 out of 100 counties in North Carolina and 2,007 out of 3,142 counties in the United States for housing affordability.

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


Loan Limits for High Point, North Carolina

Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for High Point (Randolph County) below.

Conforming loan limits for High Point, NC

1 unit: $510,400
2 units: $653,550
3 units: $789,950
4 units: $981,700

FHA loan limits for High Point, NC

1 unit: $331,760
2 units: $424,800
3 units: $513,450
4 units: $638,100

VA loan limits for High Point, NC

1 unit: $510,400

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