Mortgage Rates in Longmont, Colorado — March 2026
Updated March 2026 | Based on Longmont market data and regional lending conditions
Longmont is a growing city in Colorado with a population of 98,885. The current 30-year fixed mortgage rate in Longmont is 6.62%, which is 0.03% below the national average. With a median home price of $535,000 and a 20% down payment of $107,000, homebuyers can expect a monthly principal and interest payment of approximately $2,739.
Current Mortgage Rates in Longmont, CO
Below are the current average mortgage rates available in the Longmont 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 | 6.62% | 6.65% | -0.03% |
| 15-Year Fixed | 5.86% | 5.89% | -0.03% |
| 5/1 ARM | 6.12% | 6.15% | -0.03% |
| FHA | 6.22% | 6.25% | -0.03% |
| VA | 6.02% | 6.05% | -0.03% |
| Jumbo | 6.82% | 6.85% | -0.03% |
Longmont Housing Market Overview
The Longmont housing market is competitive with prices well above the national median. The median household income in Longmont is $72,250, and the cost of living index is 108.5 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $127,114 to comfortably afford the median-priced home in Longmont, which exceeds the current median household income.
Monthly Payment Breakdown for Longmont
Based on the median home price of $535,000 with 20% down ($107,000), here is what you can expect to pay monthly in Longmont:
15-Year vs. 30-Year Mortgage in Longmont
Choosing a 15-year mortgage in Longmont at 5.86% instead of a 30-year at 6.62% would save you $341,820 in total interest over the life of the loan. However, your monthly payment would be $3,579 instead of $2,739 — an increase of $840 per month.
Calculate Your Longmont 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 Longmont
What are the current mortgage rates in Longmont, CO?
As of March 2026, the average 30-year fixed mortgage rate in Longmont, Colorado is 6.62%, while the 15-year fixed rate is 5.86%. FHA loans average 6.22% and VA loans 6.02%. These rates are 0.03% below the national average of 6.65%.
How much is a monthly mortgage payment in Longmont?
Based on the median home price of $535,000 with 20% down, the estimated monthly mortgage payment in Longmont is $2,739 for principal and interest. Including property taxes of $227/month, the total monthly housing cost is approximately $2,966.
What income do I need to buy a home in Longmont?
Using the 28% rule, you would need an annual income of approximately $127,114 to afford the median-priced home in Longmont at $535,000. The median household income in Longmont is $72,250. This means most households would need to either earn above the median or consider homes below $535,000.
Is Longmont a good place to buy a home in 2026?
Longmont has a moderate cost of living with a cost of living index of 108.5 (national average = 100). The property tax rate in Colorado is 0.51%, which is below the national average. Longmont has a population of 98,885 and offers a balanced lifestyle.
Mortgage Rates in Other Colorado Cities
Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the Longmont, Colorado area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.