Mortgage Rates in Keizer, Oregon — March 2026
Updated March 2026 | Based on Keizer market data and regional lending conditions
Keizer is a growing city in Oregon with a population of 40,393. The current 30-year fixed mortgage rate in Keizer is 6.9%, which is 0.25% above the national average. With a median home price of $380,000 and a 20% down payment of $76,000, homebuyers can expect a monthly principal and interest payment of approximately $2,002.
Current Mortgage Rates in Keizer, OR
Below are the current average mortgage rates available in the Keizer 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 | 6.9% | 6.65% | +0.25% |
| 15-Year Fixed | 6.11% | 5.89% | +0.22% |
| 5/1 ARM | 6.34% | 6.15% | +0.19% |
| FHA | 6.57% | 6.25% | +0.32% |
| VA | 6.32% | 6.05% | +0.27% |
| Jumbo | 7.15% | 6.85% | +0.3% |
Keizer Housing Market Overview
The Keizer housing market reflects moderate demand with prices near the national average. The median household income in Keizer is $58,900, and the cost of living index is 103.6 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $98,700 to comfortably afford the median-priced home in Keizer, which exceeds the current median household income.
Monthly Payment Breakdown for Keizer
Based on the median home price of $380,000 with 20% down ($76,000), here is what you can expect to pay monthly in Keizer:
15-Year vs. 30-Year Mortgage in Keizer
Choosing a 15-year mortgage in Keizer at 6.11% instead of a 30-year at 6.9% would save you $255,780 in total interest over the life of the loan. However, your monthly payment would be $2,583 instead of $2,002 — an increase of $581 per month.
Calculate Your Keizer 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 Keizer
What are the current mortgage rates in Keizer, OR?
As of March 2026, the average 30-year fixed mortgage rate in Keizer, Oregon is 6.9%, while the 15-year fixed rate is 6.11%. FHA loans average 6.57% and VA loans 6.32%. These rates are 0.25% above the national average of 6.65%.
How much is a monthly mortgage payment in Keizer?
Based on the median home price of $380,000 with 20% down, the estimated monthly mortgage payment in Keizer is $2,002 for principal and interest. Including property taxes of $301/month, the total monthly housing cost is approximately $2,303.
What income do I need to buy a home in Keizer?
Using the 28% rule, you would need an annual income of approximately $98,700 to afford the median-priced home in Keizer at $380,000. The median household income in Keizer is $58,900. This means most households would need to either earn above the median or consider homes below $380,000.
Is Keizer a good place to buy a home in 2026?
Keizer has a moderate cost of living with a cost of living index of 103.6 (national average = 100). The property tax rate in Oregon is 0.95%, which is near the national average. Keizer has a population of 40,393 and offers a balanced lifestyle.
Mortgage Rates in Other Oregon Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Keizer, Oregon area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.