Mortgage Rates in Ludlow, Vermont — March 2026
Updated March 2026 | Based on Ludlow market data and regional lending conditions
Ludlow is a growing city in Vermont with a population of 1,963. The current 30-year fixed mortgage rate in Ludlow is 6.83%, which is 0.18% above the national average. With a median home price of $247,000 and a 20% down payment of $49,400, homebuyers can expect a monthly principal and interest payment of approximately $1,292.
Current Mortgage Rates in Ludlow, VT
Below are the current average mortgage rates available in the Ludlow 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 | 6.83% | 6.65% | +0.18% |
| 15-Year Fixed | 6.05% | 5.89% | +0.16% |
| 5/1 ARM | 6.3% | 6.15% | +0.15% |
| FHA | 6.54% | 6.25% | +0.29% |
| VA | 6.29% | 6.05% | +0.24% |
| Jumbo | 7.08% | 6.85% | +0.23% |
Ludlow Housing Market Overview
The Ludlow housing market offers relatively affordable housing compared to many major cities. The median household income in Ludlow is $52,600, and the cost of living index is 113.4 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $72,214 to comfortably afford the median-priced home in Ludlow, which exceeds the current median household income.
Monthly Payment Breakdown for Ludlow
Based on the median home price of $247,000 with 20% down ($49,400), here is what you can expect to pay monthly in Ludlow:
15-Year vs. 30-Year Mortgage in Ludlow
Choosing a 15-year mortgage in Ludlow at 6.05% instead of a 30-year at 6.83% would save you $163,980 in total interest over the life of the loan. However, your monthly payment would be $1,673 instead of $1,292 — an increase of $381 per month.
Calculate Your Ludlow 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 Ludlow
What are the current mortgage rates in Ludlow, VT?
As of March 2026, the average 30-year fixed mortgage rate in Ludlow, Vermont is 6.83%, while the 15-year fixed rate is 6.05%. FHA loans average 6.54% and VA loans 6.29%. These rates are 0.18% above the national average of 6.65%.
How much is a monthly mortgage payment in Ludlow?
Based on the median home price of $247,000 with 20% down, the estimated monthly mortgage payment in Ludlow is $1,292 for principal and interest. Including property taxes of $393/month, the total monthly housing cost is approximately $1,685.
What income do I need to buy a home in Ludlow?
Using the 28% rule, you would need an annual income of approximately $72,214 to afford the median-priced home in Ludlow at $247,000. The median household income in Ludlow is $52,600. This means most households would need to either earn above the median or consider homes below $247,000.
Is Ludlow a good place to buy a home in 2026?
Ludlow has a moderate cost of living with a cost of living index of 113.4 (national average = 100). The property tax rate in Vermont is 1.91%, which is above the national average. Ludlow has a population of 1,963 and offers a balanced lifestyle.
Mortgage Rates in Other Vermont Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Ludlow, Vermont area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.