Mortgage Rates in Roseburg, Oregon — March 2026
Updated March 2026 | Based on Roseburg market data and regional lending conditions
Roseburg is a growing city in Oregon with a population of 23,857. The current 30-year fixed mortgage rate in Roseburg is 6.35%, which is 0.3% below the national average. With a median home price of $285,000 and a 20% down payment of $57,000, homebuyers can expect a monthly principal and interest payment of approximately $1,418.
Current Mortgage Rates in Roseburg, OR
Below are the current average mortgage rates available in the Roseburg 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 | 6.35% | 6.65% | -0.3% |
| 15-Year Fixed | 5.59% | 5.89% | -0.3% |
| 5/1 ARM | 5.85% | 6.15% | -0.3% |
| FHA | 5.95% | 6.25% | -0.3% |
| VA | 5.75% | 6.05% | -0.3% |
| Jumbo | 6.55% | 6.85% | -0.3% |
Roseburg Housing Market Overview
The Roseburg housing market offers relatively affordable housing compared to many major cities. The median household income in Roseburg is $38,000, and the cost of living index is 96 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $70,457 to comfortably afford the median-priced home in Roseburg, which exceeds the current median household income.
Monthly Payment Breakdown for Roseburg
Based on the median home price of $285,000 with 20% down ($57,000), here is what you can expect to pay monthly in Roseburg:
15-Year vs. 30-Year Mortgage in Roseburg
Choosing a 15-year mortgage in Roseburg at 5.59% instead of a 30-year at 6.35% would save you $173,160 in total interest over the life of the loan. However, your monthly payment would be $1,874 instead of $1,418 — an increase of $456 per month.
Calculate Your Roseburg 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 Roseburg
What are the current mortgage rates in Roseburg, OR?
As of March 2026, the average 30-year fixed mortgage rate in Roseburg, Oregon is 6.35%, while the 15-year fixed rate is 5.59%. FHA loans average 5.95% and VA loans 5.75%. These rates are 0.3% below the national average of 6.65%.
How much is a monthly mortgage payment in Roseburg?
Based on the median home price of $285,000 with 20% down, the estimated monthly mortgage payment in Roseburg is $1,418 for principal and interest. Including property taxes of $226/month, the total monthly housing cost is approximately $1,644.
What income do I need to buy a home in Roseburg?
Using the 28% rule, you would need an annual income of approximately $70,457 to afford the median-priced home in Roseburg at $285,000. The median household income in Roseburg is $38,000. This means most households would need to either earn above the median or consider homes below $285,000.
Is Roseburg a good place to buy a home in 2026?
Roseburg offers a below-average cost of living with a cost of living index of 96 (national average = 100). The property tax rate in Oregon is 0.95%, which is near the national average. Roseburg has a population of 23,857 and offers a balanced lifestyle.
Mortgage Rates in Other Oregon Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Roseburg, Oregon area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.