Mortgage Rates in Lisbon, North Dakota — March 2026
Updated March 2026 | Based on Lisbon market data and regional lending conditions
Lisbon is a growing city in North Dakota with a population of 2,154. The current 30-year fixed mortgage rate in Lisbon is 6.79%, which is 0.14% above the national average. With a median home price of $174,000 and a 20% down payment of $34,800, homebuyers can expect a monthly principal and interest payment of approximately $907.
Current Mortgage Rates in Lisbon, ND
Below are the current average mortgage rates available in the Lisbon 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 | 6.79% | 6.65% | +0.14% |
| 15-Year Fixed | 6.02% | 5.89% | +0.13% |
| 5/1 ARM | 6.27% | 6.15% | +0.12% |
| FHA | 6.52% | 6.25% | +0.27% |
| VA | 6.27% | 6.05% | +0.22% |
| Jumbo | 7.04% | 6.85% | +0.19% |
Lisbon Housing Market Overview
The Lisbon housing market offers relatively affordable housing compared to many major cities. The median household income in Lisbon is $62,400, and the cost of living index is 82.2 (national average = 100). Based on the 28% affordability rule, the median income in Lisbon is sufficient to afford the median-priced home.
Monthly Payment Breakdown for Lisbon
Based on the median home price of $174,000 with 20% down ($34,800), here is what you can expect to pay monthly in Lisbon:
15-Year vs. 30-Year Mortgage in Lisbon
Choosing a 15-year mortgage in Lisbon at 6.02% instead of a 30-year at 6.79% would save you $114,840 in total interest over the life of the loan. However, your monthly payment would be $1,176 instead of $907 — an increase of $269 per month.
Calculate Your Lisbon 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 Lisbon
What are the current mortgage rates in Lisbon, ND?
As of March 2026, the average 30-year fixed mortgage rate in Lisbon, North Dakota is 6.79%, while the 15-year fixed rate is 6.02%. FHA loans average 6.52% and VA loans 6.27%. These rates are 0.14% above the national average of 6.65%.
How much is a monthly mortgage payment in Lisbon?
Based on the median home price of $174,000 with 20% down, the estimated monthly mortgage payment in Lisbon is $907 for principal and interest. Including property taxes of $132/month, the total monthly housing cost is approximately $1,039.
What income do I need to buy a home in Lisbon?
Using the 28% rule, you would need an annual income of approximately $44,529 to afford the median-priced home in Lisbon at $174,000. The median household income in Lisbon is $62,400. The median income is currently sufficient to meet this threshold.
Is Lisbon a good place to buy a home in 2026?
Lisbon offers a below-average cost of living with a cost of living index of 82.2 (national average = 100). The property tax rate in North Dakota is 0.91%, which is near the national average. Lisbon has a population of 2,154 and offers a very affordable lifestyle.
Mortgage Rates in Other North Dakota Cities
Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the Lisbon, North Dakota area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.