Mortgage Rates in San Luis, Arizona — March 2026
Updated March 2026 | Based on San Luis market data and regional lending conditions
San Luis is a growing city in Arizona with a population of 35,697. The current 30-year fixed mortgage rate in San Luis is 6.3%, which is 0.35% below the national average. With a median home price of $210,000 and a 20% down payment of $42,000, homebuyers can expect a monthly principal and interest payment of approximately $1,040.
Current Mortgage Rates in San Luis, AZ
Below are the current average mortgage rates available in the San Luis 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 | 6.3% | 6.65% | -0.35% |
| 15-Year Fixed | 5.54% | 5.89% | -0.35% |
| 5/1 ARM | 5.8% | 6.15% | -0.35% |
| FHA | 5.9% | 6.25% | -0.35% |
| VA | 5.7% | 6.05% | -0.35% |
| Jumbo | 6.5% | 6.85% | -0.35% |
San Luis Housing Market Overview
The San Luis housing market offers relatively affordable housing compared to many major cities. The median household income in San Luis is $32,000, and the cost of living index is 84 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $48,900 to comfortably afford the median-priced home in San Luis, which exceeds the current median household income.
Monthly Payment Breakdown for San Luis
Based on the median home price of $210,000 with 20% down ($42,000), here is what you can expect to pay monthly in San Luis:
15-Year vs. 30-Year Mortgage in San Luis
Choosing a 15-year mortgage in San Luis at 5.54% instead of a 30-year at 6.3% would save you $126,720 in total interest over the life of the loan. However, your monthly payment would be $1,376 instead of $1,040 — an increase of $336 per month.
Calculate Your San Luis 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 San Luis
What are the current mortgage rates in San Luis, AZ?
As of March 2026, the average 30-year fixed mortgage rate in San Luis, Arizona is 6.3%, while the 15-year fixed rate is 5.54%. FHA loans average 5.9% and VA loans 5.7%. These rates are 0.35% below the national average of 6.65%.
How much is a monthly mortgage payment in San Luis?
Based on the median home price of $210,000 with 20% down, the estimated monthly mortgage payment in San Luis is $1,040 for principal and interest. Including property taxes of $101/month, the total monthly housing cost is approximately $1,141.
What income do I need to buy a home in San Luis?
Using the 28% rule, you would need an annual income of approximately $48,900 to afford the median-priced home in San Luis at $210,000. The median household income in San Luis is $32,000. This means most households would need to either earn above the median or consider homes below $210,000.
Is San Luis a good place to buy a home in 2026?
San Luis offers a below-average cost of living with a cost of living index of 84 (national average = 100). The property tax rate in Arizona is 0.58%, which is below the national average. San Luis has a population of 35,697 and offers a very affordable 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 San Luis, Arizona area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.