Mortgage Rates in Beaverton, Oregon — March 2026
Updated March 2026 | Based on Beaverton market data and regional lending conditions
Beaverton is a growing city in Oregon with a population of 99,037. The current 30-year fixed mortgage rate in Beaverton is 6.72%, which is 0.07% above the national average. With a median home price of $425,000 and a 20% down payment of $85,000, homebuyers can expect a monthly principal and interest payment of approximately $2,198.
Current Mortgage Rates in Beaverton, OR
Below are the current average mortgage rates available in the Beaverton 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 | 6.72% | 6.65% | +0.07% |
| 15-Year Fixed | 5.96% | 5.89% | +0.07% |
| 5/1 ARM | 6.23% | 6.15% | +0.08% |
| FHA | 6.48% | 6.25% | +0.23% |
| VA | 6.23% | 6.05% | +0.18% |
| Jumbo | 6.97% | 6.85% | +0.12% |
Beaverton Housing Market Overview
The Beaverton housing market reflects moderate demand with prices near the national average. The median household income in Beaverton is $60,600, and the cost of living index is 105.9 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $108,771 to comfortably afford the median-priced home in Beaverton, which exceeds the current median household income.
Monthly Payment Breakdown for Beaverton
Based on the median home price of $425,000 with 20% down ($85,000), here is what you can expect to pay monthly in Beaverton:
15-Year vs. 30-Year Mortgage in Beaverton
Choosing a 15-year mortgage in Beaverton at 5.96% instead of a 30-year at 6.72% would save you $276,120 in total interest over the life of the loan. However, your monthly payment would be $2,862 instead of $2,198 — an increase of $664 per month.
Calculate Your Beaverton 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 Beaverton
What are the current mortgage rates in Beaverton, OR?
As of March 2026, the average 30-year fixed mortgage rate in Beaverton, Oregon is 6.72%, while the 15-year fixed rate is 5.96%. FHA loans average 6.48% and VA loans 6.23%. These rates are 0.07% above the national average of 6.65%.
How much is a monthly mortgage payment in Beaverton?
Based on the median home price of $425,000 with 20% down, the estimated monthly mortgage payment in Beaverton is $2,198 for principal and interest. Including property taxes of $340/month, the total monthly housing cost is approximately $2,538.
What income do I need to buy a home in Beaverton?
Using the 28% rule, you would need an annual income of approximately $108,771 to afford the median-priced home in Beaverton at $425,000. The median household income in Beaverton is $60,600. This means most households would need to either earn above the median or consider homes below $425,000.
Is Beaverton a good place to buy a home in 2026?
Beaverton has a moderate cost of living with a cost of living index of 105.9 (national average = 100). The property tax rate in Oregon is 0.96%, which is near the national average. Beaverton has a population of 99,037 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 Beaverton, Oregon area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.