Mortgage Rates in Haines, Alaska — March 2026
Updated March 2026 | Based on Haines market data and regional lending conditions
Haines is a growing city in Alaska with a population of 2,547. The current 30-year fixed mortgage rate in Haines is 6.78%, which is 0.13% above the national average. With a median home price of $227,000 and a 20% down payment of $45,400, homebuyers can expect a monthly principal and interest payment of approximately $1,181.
Current Mortgage Rates in Haines, AK
Below are the current average mortgage rates available in the Haines 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 | 6.78% | 6.65% | +0.13% |
| 15-Year Fixed | 6.01% | 5.89% | +0.12% |
| 5/1 ARM | 6.27% | 6.15% | +0.12% |
| FHA | 6.51% | 6.25% | +0.26% |
| VA | 6.26% | 6.05% | +0.21% |
| Jumbo | 7.03% | 6.85% | +0.18% |
Haines Housing Market Overview
The Haines housing market offers relatively affordable housing compared to many major cities. The median household income in Haines is $77,500, and the cost of living index is 120 (national average = 100). Based on the 28% affordability rule, the median income in Haines is sufficient to afford the median-priced home.
Monthly Payment Breakdown for Haines
Based on the median home price of $227,000 with 20% down ($45,400), here is what you can expect to pay monthly in Haines:
15-Year vs. 30-Year Mortgage in Haines
Choosing a 15-year mortgage in Haines at 6.01% instead of a 30-year at 6.78% would save you $149,220 in total interest over the life of the loan. However, your monthly payment would be $1,533 instead of $1,181 — an increase of $352 per month.
Calculate Your Haines 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 Haines
What are the current mortgage rates in Haines, AK?
As of March 2026, the average 30-year fixed mortgage rate in Haines, Alaska is 6.78%, while the 15-year fixed rate is 6.01%. FHA loans average 6.51% and VA loans 6.26%. These rates are 0.13% above the national average of 6.65%.
How much is a monthly mortgage payment in Haines?
Based on the median home price of $227,000 with 20% down, the estimated monthly mortgage payment in Haines is $1,181 for principal and interest. Including property taxes of $202/month, the total monthly housing cost is approximately $1,383.
What income do I need to buy a home in Haines?
Using the 28% rule, you would need an annual income of approximately $59,271 to afford the median-priced home in Haines at $227,000. The median household income in Haines is $77,500. The median income is currently sufficient to meet this threshold.
Is Haines a good place to buy a home in 2026?
Haines has a moderate cost of living with a cost of living index of 120 (national average = 100). The property tax rate in Alaska is 1.07%, which is near the national average. Haines has a population of 2,547 and offers a balanced lifestyle.
Mortgage Rates in Other Alaska Cities
Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the Haines, Alaska area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.