Mortgage Rates in Apex, North Carolina — March 2026
Updated March 2026 | Based on Apex market data and regional lending conditions
Apex is a growing city in North Carolina with a population of 73,890. The current 30-year fixed mortgage rate in Apex is 6.61%, which is 0.04% below the national average. With a median home price of $287,000 and a 20% down payment of $57,400, homebuyers can expect a monthly principal and interest payment of approximately $1,468.
Current Mortgage Rates in Apex, NC
Below are the current average mortgage rates available in the Apex 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 | 6.61% | 6.65% | -0.04% |
| 15-Year Fixed | 5.87% | 5.89% | -0.02% |
| 5/1 ARM | 6.16% | 6.15% | +0.01% |
| FHA | 6.43% | 6.25% | +0.18% |
| VA | 6.18% | 6.05% | +0.13% |
| Jumbo | 6.86% | 6.85% | +0.01% |
Apex Housing Market Overview
The Apex housing market offers relatively affordable housing compared to many major cities. The median household income in Apex is $62,300, and the cost of living index is 99.6 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $70,414 to comfortably afford the median-priced home in Apex, which exceeds the current median household income.
Monthly Payment Breakdown for Apex
Based on the median home price of $287,000 with 20% down ($57,400), here is what you can expect to pay monthly in Apex:
15-Year vs. 30-Year Mortgage in Apex
Choosing a 15-year mortgage in Apex at 5.87% instead of a 30-year at 6.61% would save you $182,700 in total interest over the life of the loan. However, your monthly payment would be $1,921 instead of $1,468 — an increase of $453 per month.
Calculate Your Apex 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 Apex
What are the current mortgage rates in Apex, NC?
As of March 2026, the average 30-year fixed mortgage rate in Apex, North Carolina is 6.61%, while the 15-year fixed rate is 5.87%. FHA loans average 6.43% and VA loans 6.18%. These rates are 0.04% below the national average of 6.65%.
How much is a monthly mortgage payment in Apex?
Based on the median home price of $287,000 with 20% down, the estimated monthly mortgage payment in Apex is $1,468 for principal and interest. Including property taxes of $175/month, the total monthly housing cost is approximately $1,643.
What income do I need to buy a home in Apex?
Using the 28% rule, you would need an annual income of approximately $70,414 to afford the median-priced home in Apex at $287,000. The median household income in Apex is $62,300. This means most households would need to either earn above the median or consider homes below $287,000.
Is Apex a good place to buy a home in 2026?
Apex offers a below-average cost of living with a cost of living index of 99.6 (national average = 100). The property tax rate in North Carolina is 0.73%, which is below the national average. Apex has a population of 73,890 and offers a balanced lifestyle.
Mortgage Rates in Other North Carolina Cities
Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the Apex, North Carolina area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.