Mortgage Rates in Catalina Foothills, Arizona — March 2026
Updated March 2026 | Based on Catalina Foothills market data and regional lending conditions
Catalina Foothills is a growing city in Arizona with a population of 50,696. The current 30-year fixed mortgage rate in Catalina Foothills is 6.83%, which is 0.18% above the national average. With a median home price of $405,000 and a 20% down payment of $81,000, homebuyers can expect a monthly principal and interest payment of approximately $2,119.
Current Mortgage Rates in Catalina Foothills, AZ
Below are the current average mortgage rates available in the Catalina Foothills 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 | 6.83% | 6.65% | +0.18% |
| 15-Year Fixed | 6.05% | 5.89% | +0.16% |
| 5/1 ARM | 6.3% | 6.15% | +0.15% |
| FHA | 6.54% | 6.25% | +0.29% |
| VA | 6.29% | 6.05% | +0.24% |
| Jumbo | 7.08% | 6.85% | +0.23% |
Catalina Foothills Housing Market Overview
The Catalina Foothills housing market reflects moderate demand with prices near the national average. The median household income in Catalina Foothills is $55,500, and the cost of living index is 109.8 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $99,943 to comfortably afford the median-priced home in Catalina Foothills, which exceeds the current median household income.
Monthly Payment Breakdown for Catalina Foothills
Based on the median home price of $405,000 with 20% down ($81,000), here is what you can expect to pay monthly in Catalina Foothills:
15-Year vs. 30-Year Mortgage in Catalina Foothills
Choosing a 15-year mortgage in Catalina Foothills at 6.05% instead of a 30-year at 6.83% would save you $269,100 in total interest over the life of the loan. However, your monthly payment would be $2,743 instead of $2,119 — an increase of $624 per month.
Calculate Your Catalina Foothills 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 Catalina Foothills
What are the current mortgage rates in Catalina Foothills, AZ?
As of March 2026, the average 30-year fixed mortgage rate in Catalina Foothills, Arizona is 6.83%, while the 15-year fixed rate is 6.05%. FHA loans average 6.54% and VA loans 6.29%. These rates are 0.18% above the national average of 6.65%.
How much is a monthly mortgage payment in Catalina Foothills?
Based on the median home price of $405,000 with 20% down, the estimated monthly mortgage payment in Catalina Foothills is $2,119 for principal and interest. Including property taxes of $213/month, the total monthly housing cost is approximately $2,332.
What income do I need to buy a home in Catalina Foothills?
Using the 28% rule, you would need an annual income of approximately $99,943 to afford the median-priced home in Catalina Foothills at $405,000. The median household income in Catalina Foothills is $55,500. This means most households would need to either earn above the median or consider homes below $405,000.
Is Catalina Foothills a good place to buy a home in 2026?
Catalina Foothills has a moderate cost of living with a cost of living index of 109.8 (national average = 100). The property tax rate in Arizona is 0.63%, which is below the national average. Catalina Foothills has a population of 50,696 and offers a balanced lifestyle.
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Catalina Foothills, Arizona area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.