Mortgage Rates in Aloha, Oregon — March 2026
Updated March 2026 | Based on Aloha market data and regional lending conditions
Aloha is a growing city in Oregon with a population of 53,145. The current 30-year fixed mortgage rate in Aloha is 6.65%, which is at the national average. With a median home price of $435,000 and a 20% down payment of $87,000, homebuyers can expect a monthly principal and interest payment of approximately $2,234.
Current Mortgage Rates in Aloha, OR
Below are the current average mortgage rates available in the Aloha area as of March 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.65% | 6.65% | 0% |
| 15-Year Fixed | 5.91% | 5.89% | +0.02% |
| 5/1 ARM | 6.19% | 6.15% | +0.04% |
| FHA | 6.45% | 6.25% | +0.2% |
| VA | 6.2% | 6.05% | +0.15% |
| Jumbo | 6.9% | 6.85% | +0.05% |
Aloha Housing Market Overview
The Aloha housing market reflects moderate demand with prices near the national average. The median household income in Aloha is $72,200, and the cost of living index is 111.7 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $111,429 to comfortably afford the median-priced home in Aloha, which exceeds the current median household income.
Monthly Payment Breakdown for Aloha
Based on the median home price of $435,000 with 20% down ($87,000), here is what you can expect to pay monthly in Aloha:
15-Year vs. 30-Year Mortgage in Aloha
Choosing a 15-year mortgage in Aloha at 5.91% instead of a 30-year at 6.65% would save you $278,640 in total interest over the life of the loan. However, your monthly payment would be $2,920 instead of $2,234 — an increase of $686 per month.
Calculate Your Aloha Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in Aloha
What are the current mortgage rates in Aloha, OR?
As of March 2026, the average 30-year fixed mortgage rate in Aloha, Oregon is 6.65%, while the 15-year fixed rate is 5.91%. FHA loans average 6.45% and VA loans 6.2%. These rates are at the national average of 6.65%.
How much is a monthly mortgage payment in Aloha?
Based on the median home price of $435,000 with 20% down, the estimated monthly mortgage payment in Aloha is $2,234 for principal and interest. Including property taxes of $366/month, the total monthly housing cost is approximately $2,600.
What income do I need to buy a home in Aloha?
Using the 28% rule, you would need an annual income of approximately $111,429 to afford the median-priced home in Aloha at $435,000. The median household income in Aloha is $72,200. This means most households would need to either earn above the median or consider homes below $435,000.
Is Aloha a good place to buy a home in 2026?
Aloha has a moderate cost of living with a cost of living index of 111.7 (national average = 100). The property tax rate in Oregon is 1.01%, which is near the national average. Aloha has a population of 53,145 and offers a balanced lifestyle.
Mortgage Rates in Other Oregon Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Aloha, Oregon area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.