Mortgage Rates in Ralston, Nebraska — March 2026
Updated March 2026 | Based on Ralston market data and regional lending conditions
Ralston is a growing city in Nebraska with a population of 7,305. The current 30-year fixed mortgage rate in Ralston is 6.77%, which is 0.12% above the national average. With a median home price of $196,000 and a 20% down payment of $39,200, homebuyers can expect a monthly principal and interest payment of approximately $1,019.
Current Mortgage Rates in Ralston, NE
Below are the current average mortgage rates available in the Ralston 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 | 6.77% | 6.65% | +0.12% |
| 15-Year Fixed | 6.01% | 5.89% | +0.12% |
| 5/1 ARM | 6.26% | 6.15% | +0.11% |
| FHA | 6.51% | 6.25% | +0.26% |
| VA | 6.26% | 6.05% | +0.21% |
| Jumbo | 7.02% | 6.85% | +0.17% |
Ralston Housing Market Overview
The Ralston housing market offers relatively affordable housing compared to many major cities. The median household income in Ralston is $52,700, and the cost of living index is 84.8 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $55,414 to comfortably afford the median-priced home in Ralston, which exceeds the current median household income.
Monthly Payment Breakdown for Ralston
Based on the median home price of $196,000 with 20% down ($39,200), here is what you can expect to pay monthly in Ralston:
15-Year vs. 30-Year Mortgage in Ralston
Choosing a 15-year mortgage in Ralston at 6.01% instead of a 30-year at 6.77% would save you $128,520 in total interest over the life of the loan. However, your monthly payment would be $1,324 instead of $1,019 — an increase of $305 per month.
Calculate Your Ralston 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 Ralston
What are the current mortgage rates in Ralston, NE?
As of March 2026, the average 30-year fixed mortgage rate in Ralston, Nebraska is 6.77%, while the 15-year fixed rate is 6.01%. FHA loans average 6.51% and VA loans 6.26%. These rates are 0.12% above the national average of 6.65%.
How much is a monthly mortgage payment in Ralston?
Based on the median home price of $196,000 with 20% down, the estimated monthly mortgage payment in Ralston is $1,019 for principal and interest. Including property taxes of $274/month, the total monthly housing cost is approximately $1,293.
What income do I need to buy a home in Ralston?
Using the 28% rule, you would need an annual income of approximately $55,414 to afford the median-priced home in Ralston at $196,000. The median household income in Ralston is $52,700. This means most households would need to either earn above the median or consider homes below $196,000.
Is Ralston a good place to buy a home in 2026?
Ralston offers a below-average cost of living with a cost of living index of 84.8 (national average = 100). The property tax rate in Nebraska is 1.68%, which is above the national average. Ralston has a population of 7,305 and offers a very affordable lifestyle.
Mortgage Rates in Other Nebraska Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Ralston, Nebraska area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.