Mortgage Rates in Bethesda, Maryland — March 2026
Updated March 2026 | Based on Bethesda market data and regional lending conditions
Bethesda is a growing city in Maryland with a population of 68,056. The current 30-year fixed mortgage rate in Bethesda is 6.82%, which is 0.17% above the national average. With a median home price of $412,000 and a 20% down payment of $82,400, homebuyers can expect a monthly principal and interest payment of approximately $2,153.
Current Mortgage Rates in Bethesda, MD
Below are the current average mortgage rates available in the Bethesda 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 | 6.82% | 6.65% | +0.17% |
| 15-Year Fixed | 6.04% | 5.89% | +0.15% |
| 5/1 ARM | 6.29% | 6.15% | +0.14% |
| FHA | 6.53% | 6.25% | +0.28% |
| VA | 6.28% | 6.05% | +0.23% |
| Jumbo | 7.07% | 6.85% | +0.22% |
Bethesda Housing Market Overview
The Bethesda housing market reflects moderate demand with prices near the national average. The median household income in Bethesda is $83,500, and the cost of living index is 116.7 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $107,871 to comfortably afford the median-priced home in Bethesda, which exceeds the current median household income.
Monthly Payment Breakdown for Bethesda
Based on the median home price of $412,000 with 20% down ($82,400), here is what you can expect to pay monthly in Bethesda:
15-Year vs. 30-Year Mortgage in Bethesda
Choosing a 15-year mortgage in Bethesda at 6.04% instead of a 30-year at 6.82% would save you $273,240 in total interest over the life of the loan. However, your monthly payment would be $2,788 instead of $2,153 — an increase of $635 per month.
Calculate Your Bethesda Mortgage Payment
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Open Free CalculatorFrequently Asked Questions About Mortgages in Bethesda
What are the current mortgage rates in Bethesda, MD?
As of March 2026, the average 30-year fixed mortgage rate in Bethesda, Maryland is 6.82%, while the 15-year fixed rate is 6.04%. FHA loans average 6.53% and VA loans 6.28%. These rates are 0.17% above the national average of 6.65%.
How much is a monthly mortgage payment in Bethesda?
Based on the median home price of $412,000 with 20% down, the estimated monthly mortgage payment in Bethesda is $2,153 for principal and interest. Including property taxes of $364/month, the total monthly housing cost is approximately $2,517.
What income do I need to buy a home in Bethesda?
Using the 28% rule, you would need an annual income of approximately $107,871 to afford the median-priced home in Bethesda at $412,000. The median household income in Bethesda is $83,500. This means most households would need to either earn above the median or consider homes below $412,000.
Is Bethesda a good place to buy a home in 2026?
Bethesda has a moderate cost of living with a cost of living index of 116.7 (national average = 100). The property tax rate in Maryland is 1.06%, which is near the national average. Bethesda has a population of 68,056 and offers a balanced lifestyle.
Mortgage Rates in Other Maryland Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Bethesda, Maryland area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.