Mortgage Rates in Kingman, Arizona — March 2026
Updated March 2026 | Based on Kingman market data and regional lending conditions
Kingman is a growing city in Arizona with a population of 31,668. The current 30-year fixed mortgage rate in Kingman is 6.66%, which is 0.01% above the national average. With a median home price of $391,000 and a 20% down payment of $78,200, homebuyers can expect a monthly principal and interest payment of approximately $2,010.
Current Mortgage Rates in Kingman, AZ
Below are the current average mortgage rates available in the Kingman 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 | 6.66% | 6.65% | +0.01% |
| 15-Year Fixed | 5.92% | 5.89% | +0.03% |
| 5/1 ARM | 6.2% | 6.15% | +0.05% |
| FHA | 6.46% | 6.25% | +0.21% |
| VA | 6.21% | 6.05% | +0.16% |
| Jumbo | 6.91% | 6.85% | +0.06% |
Kingman Housing Market Overview
The Kingman housing market reflects moderate demand with prices near the national average. The median household income in Kingman is $64,600, and the cost of living index is 96.1 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $94,371 to comfortably afford the median-priced home in Kingman, which exceeds the current median household income.
Monthly Payment Breakdown for Kingman
Based on the median home price of $391,000 with 20% down ($78,200), here is what you can expect to pay monthly in Kingman:
15-Year vs. 30-Year Mortgage in Kingman
Choosing a 15-year mortgage in Kingman at 5.92% instead of a 30-year at 6.66% would save you $250,920 in total interest over the life of the loan. However, your monthly payment would be $2,626 instead of $2,010 — an increase of $616 per month.
Calculate Your Kingman 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 Kingman
What are the current mortgage rates in Kingman, AZ?
As of March 2026, the average 30-year fixed mortgage rate in Kingman, Arizona is 6.66%, while the 15-year fixed rate is 5.92%. FHA loans average 6.46% and VA loans 6.21%. These rates are 0.01% above the national average of 6.65%.
How much is a monthly mortgage payment in Kingman?
Based on the median home price of $391,000 with 20% down, the estimated monthly mortgage payment in Kingman is $2,010 for principal and interest. Including property taxes of $192/month, the total monthly housing cost is approximately $2,202.
What income do I need to buy a home in Kingman?
Using the 28% rule, you would need an annual income of approximately $94,371 to afford the median-priced home in Kingman at $391,000. The median household income in Kingman is $64,600. This means most households would need to either earn above the median or consider homes below $391,000.
Is Kingman a good place to buy a home in 2026?
Kingman offers a below-average cost of living with a cost of living index of 96.1 (national average = 100). The property tax rate in Arizona is 0.59%, which is below the national average. Kingman has a population of 31,668 and offers a balanced lifestyle.
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Kingman, Arizona area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.