Mortgage Rates in High Point, North Carolina — March 2026
Updated March 2026 | Based on High Point market data and regional lending conditions
High Point is a growing city in North Carolina with a population of 112,791. The current 30-year fixed mortgage rate in High Point is 6.69%, which is 0.04% above the national average. With a median home price of $205,000 and a 20% down payment of $41,000, homebuyers can expect a monthly principal and interest payment of approximately $1,057.
Current Mortgage Rates in High Point, NC
Below are the current average mortgage rates available in the High 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 | 6.69% | 6.65% | +0.04% |
| 15-Year Fixed | 5.93% | 5.89% | +0.04% |
| 5/1 ARM | 6.19% | 6.15% | +0.04% |
| FHA | 6.29% | 6.25% | +0.04% |
| VA | 6.09% | 6.05% | +0.04% |
| Jumbo | 6.89% | 6.85% | +0.04% |
High Point Housing Market Overview
The High Point housing market offers relatively affordable housing compared to many major cities. The median household income in High Point is $42,250, and the cost of living index is 83.5 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $51,000 to comfortably afford the median-priced home in High Point, which exceeds the current median household income.
Monthly Payment Breakdown for High Point
Based on the median home price of $205,000 with 20% down ($41,000), here is what you can expect to pay monthly in High Point:
15-Year vs. 30-Year Mortgage in High Point
Choosing a 15-year mortgage in High Point at 5.93% instead of a 30-year at 6.69% would save you $132,480 in total interest over the life of the loan. However, your monthly payment would be $1,378 instead of $1,057 — an increase of $321 per month.
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Open Free CalculatorFrequently Asked Questions About Mortgages in High Point
What are the current mortgage rates in High Point, NC?
As of March 2026, the average 30-year fixed mortgage rate in High Point, North Carolina is 6.69%, while the 15-year fixed rate is 5.93%. FHA loans average 6.29% and VA loans 6.09%. These rates are 0.04% above the national average of 6.65%.
How much is a monthly mortgage payment in High Point?
Based on the median home price of $205,000 with 20% down, the estimated monthly mortgage payment in High Point is $1,057 for principal and interest. Including property taxes of $133/month, the total monthly housing cost is approximately $1,190.
What income do I need to buy a home in High Point?
Using the 28% rule, you would need an annual income of approximately $51,000 to afford the median-priced home in High Point at $205,000. The median household income in High Point is $42,250. This means most households would need to either earn above the median or consider homes below $205,000.
Is High Point a good place to buy a home in 2026?
High Point offers a below-average cost of living with a cost of living index of 83.5 (national average = 100). The property tax rate in North Carolina is 0.78%, which is below the national average. High Point has a population of 112,791 and offers a very affordable lifestyle.
Mortgage Rates in Other North Carolina Cities
Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the High Point, North Carolina area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.