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Roseburg

Current Mortgage Rates in Roseburg, Oregon

Compare mortgage rates and fees for leading lenders in Roseburg, OR. 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 Roseburg.

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

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Mortgage Rates in Roseburg, OR as of July 9, 2020
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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.
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How Do Today's Roseburg, OR Mortgage Rates Compare?

July 9, 2020

The current average rate for a 30 year fixed rate mortgage in Roseburg 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
Roseburg, OR Rates
National
Average
Comparison
30 Year Fixed Rate
A.AAA%
3.650%
15 Year Fixed Rate
B.BBB%
3.090%
5/1 Adjustable Rate Mortgage
C.CCC%
3.390%

How Affordable is Housing in Roseburg, Oregon?

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

The median home value for Roseburg, OR (Douglas County) is $243,352

Based on current mortgage rates and a 10% down payment, you need to make $43,797 per year to buy the median priced home in Roseburg

With this income, you could qualify for a $219,017 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 Roseburg is $1,014

The median household income for Roseburg, OR (Douglas County) is $46,428

Based on this income, you can afford a home valued at approximately $257,973

The home price you can afford to buy based on household income in Roseburg is 106% of the median home value which means housing prices are average. Roseburg (Douglas County) ranks 19 out of 36 counties in Oregon and 2,954 out of 3,142 counties in the United States for housing affordability.

According to the FREEandCLEAR Housing Affordability Index, the housing market in Roseburg, OR is average

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Loan Limits for Roseburg, Oregon

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

Conforming loan limits for Roseburg, OR

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

FHA loan limits for Roseburg, OR

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

VA loan limits for Roseburg, OR

1 unit: $510,400

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