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Compare Current Winston Salem, North Carolina Mortgage Rates
Compare Winston Salem, 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 Winston Salem.
We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in Winston Salem. Plus, shopping lenders is free and there is no obligation.
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Winston Salem, NC Mortgage Rates as of July 26, 2025
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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Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Read through our lender table disclaimer for more information on rates and product details.
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Compare Today's Winston Salem, NC Mortgage Rates
July 26, 2025
Current mortgage rates in Winston Salem, 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 Winston Salem, NC Rates
National Average
Comparison
30 Year Fixed Rate
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6.670%
15 Year Fixed Rate
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5.960%
5/1 Adjustable Rate Mortgage
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6.250%
How Affordable is Housing in Winston Salem, North Carolina?
Below we provide helpful information on the real estate market, home prices and housing affordability in Winston Salem. Understand how much you need to earn to afford a home in Winston Salem, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Winston Salem 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 Winston Salem is right for you.
The median home value for Winston Salem, NC (Forsyth County) is $245,515
Based on current mortgage rates and a 10% down payment, you need to make $51,218 per year to buy the median priced home in Winston Salem
With this income, you could qualify for a $220,964 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 Winston Salem is $1,186
The median household income for Winston Salem, NC (Forsyth County) is $60,753
Based on this income, you can afford a home valued at approximately $291,220
The home price you can afford to buy based on household income in Winston Salem is 119% of the median home value which means housing prices are average.
Winston Salem (Forsyth County) ranks 63 out of 100 counties in North Carolina and 2,534 out of 3,142 counties in the United States for housing affordability.
According to the FREEandCLEAR Housing Affordability Index, the housing market in Winston Salem, NC is average
Loan Limits for Winston Salem, North Carolina
Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Winston Salem (Forsyth County) below.
Conforming loan limits for Winston Salem, NC
1 unit:$726,200
2 units:$929,850
3 units:$1,123,900
4 units:$1,396,800
FHA loan limits for Winston Salem, NC
1 unit:$472,030
2 units:$604,400
3 units:$730,525
4 units:$907,900
VA loan limits for Winston Salem, NC
1 unit:$726,200
Additional Mortgage Resources for Winston Salem, NC Residents