Mortgage Rates in Jacksonville, North Carolina — March 2026
Updated March 2026 | Based on Jacksonville market data and regional lending conditions
Jacksonville is a growing city in North Carolina with a population of 72,405. The current 30-year fixed mortgage rate in Jacksonville is 6.69%, which is 0.04% above the national average. With a median home price of $225,000 and a 20% down payment of $45,000, homebuyers can expect a monthly principal and interest payment of approximately $1,160.
Current Mortgage Rates in Jacksonville, NC
Below are the current average mortgage rates available in the Jacksonville 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% |
Jacksonville Housing Market Overview
The Jacksonville housing market offers relatively affordable housing compared to many major cities. The median household income in Jacksonville is $42,250, and the cost of living index is 85.5 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $55,971 to comfortably afford the median-priced home in Jacksonville, which exceeds the current median household income.
Monthly Payment Breakdown for Jacksonville
Based on the median home price of $225,000 with 20% down ($45,000), here is what you can expect to pay monthly in Jacksonville:
15-Year vs. 30-Year Mortgage in Jacksonville
Choosing a 15-year mortgage in Jacksonville at 5.93% instead of a 30-year at 6.69% would save you $145,440 in total interest over the life of the loan. However, your monthly payment would be $1,512 instead of $1,160 — an increase of $352 per month.
Calculate Your Jacksonville 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 Jacksonville
What are the current mortgage rates in Jacksonville, NC?
As of March 2026, the average 30-year fixed mortgage rate in Jacksonville, 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 Jacksonville?
Based on the median home price of $225,000 with 20% down, the estimated monthly mortgage payment in Jacksonville is $1,160 for principal and interest. Including property taxes of $146/month, the total monthly housing cost is approximately $1,306.
What income do I need to buy a home in Jacksonville?
Using the 28% rule, you would need an annual income of approximately $55,971 to afford the median-priced home in Jacksonville at $225,000. The median household income in Jacksonville is $42,250. This means most households would need to either earn above the median or consider homes below $225,000.
Is Jacksonville a good place to buy a home in 2026?
Jacksonville offers a below-average cost of living with a cost of living index of 85.5 (national average = 100). The property tax rate in North Carolina is 0.78%, which is below the national average. Jacksonville has a population of 72,405 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 Jacksonville, North Carolina area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.