Check Latest Mortgage Rates for Raleigh in April 2026
Raleigh is a significant urban market in North Carolina, the United States, with a median home price of approximately $410,000. Below you'll find the latest estimated mortgage rates for Raleigh, updated daily to reflect current lending conditions. Use these rates alongside our free calculators to estimate your monthly payment, compare loan types, and plan your home purchase or refinance with confidence.
Raleigh Mortgage Rates
Estimated rates as of 2026-04-04
| Product | Rate | APR | Points | Monthly / $100K |
|---|---|---|---|---|
| 30-Year Fixed | 6.77% | 6.89% | 0.7 | $650 |
| 15-Year Fixed | 6.02% | 6.12% | 0.5 | $845 |
| 5/1 ARM | 6.27% | 6.42% | 0.4 | $617 |
| FHA 30-Year | 6.47% | 6.65% | 0.3 | $630 |
| VA 30-Year | 6.17% | 6.25% | 0.0 | $611 |
| Jumbo 30-Year | 6.97% | 7.07% | 0.8 | $663 |
Rates shown are estimated averages based on current market conditions and may vary by lender, credit score, loan amount, and property type. Contact a licensed mortgage professional for personalized rate quotes.
Raleigh Mortgage Market Overview
The Raleigh housing market in North Carolina represents a well-established lending market in the United States. With a median home price of $410,000, buyers in Raleigh have access to a range of mortgage products from both national and local lenders.
Raleigh's housing market offers a balance of urban amenities and relatively competitive lending, with multiple banks, credit unions, and online lenders actively serving the area. Buyers typically find a healthy mix of conventional, FHA, and VA loan options at competitive rates.
When comparing mortgage rates in Raleigh, remember that your actual rate depends on several factors including your credit score, down payment amount, debt-to-income ratio, and the property type. Rates shown on this page reflect market-wide averages and may differ from the specific rate you're offered.
For the most accurate picture of your mortgage costs in Raleigh, North Carolina, we recommend using our free mortgage payment calculator alongside these rates. This combination gives you a realistic understanding of both the interest rate landscape and your actual monthly payment obligation.
Frequently Asked Questions About Mortgages in Raleigh
Mortgage rates in Raleigh, North Carolina are updated daily on this page. As of today, rates vary by loan type — for example, fixed-rate mortgages and adjustable-rate products will have different rates. Scroll up to our rate table for the most current figures. Remember that individual lender quotes may differ based on your credit profile and loan amount.
Raleigh is a well-established housing market in the United States. Whether it's a good time to buy depends on your personal financial situation, career plans, and how long you plan to stay. Use our mortgage calculators to model different scenarios — compare monthly payments at current rates, estimate closing costs, and calculate your break-even point for buying vs. renting.
Mortgage rates in Raleigh tend to be close to the national average due to a balanced mix of local and national lenders. The rates displayed on this page reflect Raleigh-specific market conditions. For the most competitive rate, we recommend comparing offers from at least 3-5 lenders.
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Use current Raleigh rates with our free mortgage calculator to see your exact monthly payment, interest costs, and amortization schedule.