Mortgage Rates in Greeley, Colorado — March 2026
Updated March 2026 | Based on Greeley market data and regional lending conditions
Greeley is a growing city in Colorado with a population of 108,795. The current 30-year fixed mortgage rate in Greeley is 6.62%, which is 0.03% below the national average. With a median home price of $395,000 and a 20% down payment of $79,000, homebuyers can expect a monthly principal and interest payment of approximately $2,022.
Current Mortgage Rates in Greeley, CO
Below are the current average mortgage rates available in the Greeley 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 | 6.62% | 6.65% | -0.03% |
| 15-Year Fixed | 5.86% | 5.89% | -0.03% |
| 5/1 ARM | 6.12% | 6.15% | -0.03% |
| FHA | 6.22% | 6.25% | -0.03% |
| VA | 6.02% | 6.05% | -0.03% |
| Jumbo | 6.82% | 6.85% | -0.03% |
Greeley Housing Market Overview
The Greeley housing market reflects moderate demand with prices near the national average. The median household income in Greeley is $55,250, and the cost of living index is 95.5 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $93,857 to comfortably afford the median-priced home in Greeley, which exceeds the current median household income.
Monthly Payment Breakdown for Greeley
Based on the median home price of $395,000 with 20% down ($79,000), here is what you can expect to pay monthly in Greeley:
15-Year vs. 30-Year Mortgage in Greeley
Choosing a 15-year mortgage in Greeley at 5.86% instead of a 30-year at 6.62% would save you $252,180 in total interest over the life of the loan. However, your monthly payment would be $2,643 instead of $2,022 — an increase of $621 per month.
Calculate Your Greeley 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 Greeley
What are the current mortgage rates in Greeley, CO?
As of March 2026, the average 30-year fixed mortgage rate in Greeley, Colorado is 6.62%, while the 15-year fixed rate is 5.86%. FHA loans average 6.22% and VA loans 6.02%. These rates are 0.03% below the national average of 6.65%.
How much is a monthly mortgage payment in Greeley?
Based on the median home price of $395,000 with 20% down, the estimated monthly mortgage payment in Greeley is $2,022 for principal and interest. Including property taxes of $168/month, the total monthly housing cost is approximately $2,190.
What income do I need to buy a home in Greeley?
Using the 28% rule, you would need an annual income of approximately $93,857 to afford the median-priced home in Greeley at $395,000. The median household income in Greeley is $55,250. This means most households would need to either earn above the median or consider homes below $395,000.
Is Greeley a good place to buy a home in 2026?
Greeley offers a below-average cost of living with a cost of living index of 95.5 (national average = 100). The property tax rate in Colorado is 0.51%, which is below the national average. Greeley has a population of 108,795 and offers a balanced lifestyle.
Mortgage Rates in Other Colorado Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Greeley, Colorado area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.