Mortgage Rates in Marana, Arizona — March 2026
Updated March 2026 | Based on Marana market data and regional lending conditions
Marana is a growing city in Arizona with a population of 51,922. The current 30-year fixed mortgage rate in Marana is 6.84%, which is 0.19% above the national average. With a median home price of $373,000 and a 20% down payment of $74,600, homebuyers can expect a monthly principal and interest payment of approximately $1,953.
Current Mortgage Rates in Marana, AZ
Below are the current average mortgage rates available in the Marana 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 | 6.84% | 6.65% | +0.19% |
| 15-Year Fixed | 6.06% | 5.89% | +0.17% |
| 5/1 ARM | 6.3% | 6.15% | +0.15% |
| FHA | 6.54% | 6.25% | +0.29% |
| VA | 6.29% | 6.05% | +0.24% |
| Jumbo | 7.09% | 6.85% | +0.24% |
Marana Housing Market Overview
The Marana housing market reflects moderate demand with prices near the national average. The median household income in Marana is $58,300, and the cost of living index is 98.4 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $92,357 to comfortably afford the median-priced home in Marana, which exceeds the current median household income.
Monthly Payment Breakdown for Marana
Based on the median home price of $373,000 with 20% down ($74,600), here is what you can expect to pay monthly in Marana:
15-Year vs. 30-Year Mortgage in Marana
Choosing a 15-year mortgage in Marana at 6.06% instead of a 30-year at 6.84% would save you $248,040 in total interest over the life of the loan. However, your monthly payment would be $2,528 instead of $1,953 — an increase of $575 per month.
Calculate Your Marana 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 Marana
What are the current mortgage rates in Marana, AZ?
As of March 2026, the average 30-year fixed mortgage rate in Marana, Arizona is 6.84%, while the 15-year fixed rate is 6.06%. FHA loans average 6.54% and VA loans 6.29%. These rates are 0.19% above the national average of 6.65%.
How much is a monthly mortgage payment in Marana?
Based on the median home price of $373,000 with 20% down, the estimated monthly mortgage payment in Marana is $1,953 for principal and interest. Including property taxes of $202/month, the total monthly housing cost is approximately $2,155.
What income do I need to buy a home in Marana?
Using the 28% rule, you would need an annual income of approximately $92,357 to afford the median-priced home in Marana at $373,000. The median household income in Marana is $58,300. This means most households would need to either earn above the median or consider homes below $373,000.
Is Marana a good place to buy a home in 2026?
Marana offers a below-average cost of living with a cost of living index of 98.4 (national average = 100). The property tax rate in Arizona is 0.65%, which is below the national average. Marana has a population of 51,922 and offers a balanced lifestyle.
Mortgage Rates in Other Arizona Cities
Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the Marana, Arizona area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.