Mortgage Rates in Buckeye, Arizona — March 2026
Updated March 2026 | Based on Buckeye market data and regional lending conditions
Buckeye is a growing city in Arizona with a population of 91,502. The current 30-year fixed mortgage rate in Buckeye is 6.82%, which is 0.17% above the national average. With a median home price of $424,000 and a 20% down payment of $84,800, homebuyers can expect a monthly principal and interest payment of approximately $2,216.
Current Mortgage Rates in Buckeye, AZ
Below are the current average mortgage rates available in the Buckeye 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 | 6.05% | 5.89% | +0.16% |
| 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% |
Buckeye Housing Market Overview
The Buckeye housing market reflects moderate demand with prices near the national average. The median household income in Buckeye is $55,300, and the cost of living index is 108.3 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $104,829 to comfortably afford the median-priced home in Buckeye, which exceeds the current median household income.
Monthly Payment Breakdown for Buckeye
Based on the median home price of $424,000 with 20% down ($84,800), here is what you can expect to pay monthly in Buckeye:
15-Year vs. 30-Year Mortgage in Buckeye
Choosing a 15-year mortgage in Buckeye at 6.05% instead of a 30-year at 6.82% would save you $280,800 in total interest over the life of the loan. However, your monthly payment would be $2,872 instead of $2,216 — an increase of $656 per month.
Calculate Your Buckeye 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 Buckeye
What are the current mortgage rates in Buckeye, AZ?
As of March 2026, the average 30-year fixed mortgage rate in Buckeye, Arizona is 6.82%, while the 15-year fixed rate is 6.05%. 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 Buckeye?
Based on the median home price of $424,000 with 20% down, the estimated monthly mortgage payment in Buckeye is $2,216 for principal and interest. Including property taxes of $230/month, the total monthly housing cost is approximately $2,446.
What income do I need to buy a home in Buckeye?
Using the 28% rule, you would need an annual income of approximately $104,829 to afford the median-priced home in Buckeye at $424,000. The median household income in Buckeye is $55,300. This means most households would need to either earn above the median or consider homes below $424,000.
Is Buckeye a good place to buy a home in 2026?
Buckeye has a moderate cost of living with a cost of living index of 108.3 (national average = 100). The property tax rate in Arizona is 0.65%, which is below the national average. Buckeye has a population of 91,502 and offers a balanced lifestyle.
Mortgage Rates in Other Arizona Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Buckeye, Arizona area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.