Mortgage Rates in Linton, North Dakota — March 2026
Updated March 2026 | Based on Linton market data and regional lending conditions
Linton is a growing city in North Dakota with a population of 962. The current 30-year fixed mortgage rate in Linton is 6.9%, which is 0.25% above the national average. With a median home price of $187,000 and a 20% down payment of $37,400, homebuyers can expect a monthly principal and interest payment of approximately $985.
Current Mortgage Rates in Linton, ND
Below are the current average mortgage rates available in the Linton 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% |
Linton Housing Market Overview
The Linton housing market offers relatively affordable housing compared to many major cities. The median household income in Linton is $58,400, and the cost of living index is 83.4 (national average = 100). Based on the 28% affordability rule, the median income in Linton is sufficient to afford the median-priced home.
Monthly Payment Breakdown for Linton
Based on the median home price of $187,000 with 20% down ($37,400), here is what you can expect to pay monthly in Linton:
15-Year vs. 30-Year Mortgage in Linton
Choosing a 15-year mortgage in Linton at 6.11% instead of a 30-year at 6.9% would save you $125,820 in total interest over the life of the loan. However, your monthly payment would be $1,271 instead of $985 — an increase of $286 per month.
Calculate Your Linton 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 Linton
What are the current mortgage rates in Linton, ND?
As of March 2026, the average 30-year fixed mortgage rate in Linton, North Dakota 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 Linton?
Based on the median home price of $187,000 with 20% down, the estimated monthly mortgage payment in Linton is $985 for principal and interest. Including property taxes of $153/month, the total monthly housing cost is approximately $1,138.
What income do I need to buy a home in Linton?
Using the 28% rule, you would need an annual income of approximately $48,771 to afford the median-priced home in Linton at $187,000. The median household income in Linton is $58,400. The median income is currently sufficient to meet this threshold.
Is Linton a good place to buy a home in 2026?
Linton offers a below-average cost of living with a cost of living index of 83.4 (national average = 100). The property tax rate in North Dakota is 0.98%, which is near the national average. Linton has a population of 962 and offers a very affordable lifestyle.
Mortgage Rates in Other North Dakota Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Linton, North Dakota area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.