Mortgage Rates in Crown Point, Indiana — March 2026
Updated March 2026 | Based on Crown Point market data and regional lending conditions
Crown Point is a growing city in Indiana with a population of 33,143. The current 30-year fixed mortgage rate in Crown Point is 6.86%, which is 0.21% above the national average. With a median home price of $179,000 and a 20% down payment of $35,800, homebuyers can expect a monthly principal and interest payment of approximately $939.
Current Mortgage Rates in Crown Point, IN
Below are the current average mortgage rates available in the Crown Point 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 | 6.86% | 6.65% | +0.21% |
| 15-Year Fixed | 6.08% | 5.89% | +0.19% |
| 5/1 ARM | 6.32% | 6.15% | +0.17% |
| FHA | 6.56% | 6.25% | +0.31% |
| VA | 6.31% | 6.05% | +0.26% |
| Jumbo | 7.11% | 6.85% | +0.26% |
Crown Point Housing Market Overview
The Crown Point housing market offers relatively affordable housing compared to many major cities. The median household income in Crown Point is $47,100, and the cost of living index is 81.2 (national average = 100). Based on the 28% affordability rule, the median income in Crown Point is sufficient to afford the median-priced home.
Monthly Payment Breakdown for Crown Point
Based on the median home price of $179,000 with 20% down ($35,800), here is what you can expect to pay monthly in Crown Point:
15-Year vs. 30-Year Mortgage in Crown Point
Choosing a 15-year mortgage in Crown Point at 6.08% instead of a 30-year at 6.86% would save you $119,340 in total interest over the life of the loan. However, your monthly payment would be $1,215 instead of $939 — an increase of $276 per month.
Calculate Your Crown Point 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 Crown Point
What are the current mortgage rates in Crown Point, IN?
As of March 2026, the average 30-year fixed mortgage rate in Crown Point, Indiana is 6.86%, while the 15-year fixed rate is 6.08%. FHA loans average 6.56% and VA loans 6.31%. These rates are 0.21% above the national average of 6.65%.
How much is a monthly mortgage payment in Crown Point?
Based on the median home price of $179,000 with 20% down, the estimated monthly mortgage payment in Crown Point is $939 for principal and interest. Including property taxes of $128/month, the total monthly housing cost is approximately $1,067.
What income do I need to buy a home in Crown Point?
Using the 28% rule, you would need an annual income of approximately $45,729 to afford the median-priced home in Crown Point at $179,000. The median household income in Crown Point is $47,100. The median income is currently sufficient to meet this threshold.
Is Crown Point a good place to buy a home in 2026?
Crown Point offers a below-average cost of living with a cost of living index of 81.2 (national average = 100). The property tax rate in Indiana is 0.86%, which is near the national average. Crown Point has a population of 33,143 and offers a very affordable lifestyle.
Mortgage Rates in Other Indiana Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Crown Point, Indiana area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.