Mortgage Rates in Sun Lakes, Arizona — March 2026
Updated March 2026 | Based on Sun Lakes market data and regional lending conditions
Sun Lakes is a growing city in Arizona with a population of 14,537. The current 30-year fixed mortgage rate in Sun Lakes is 6.66%, which is 0.01% above the national average. With a median home price of $368,000 and a 20% down payment of $73,600, homebuyers can expect a monthly principal and interest payment of approximately $1,892.
Current Mortgage Rates in Sun Lakes, AZ
Below are the current average mortgage rates available in the Sun Lakes 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 | 6.66% | 6.65% | +0.01% |
| 15-Year Fixed | 5.92% | 5.89% | +0.03% |
| 5/1 ARM | 6.2% | 6.15% | +0.05% |
| FHA | 6.46% | 6.25% | +0.21% |
| VA | 6.21% | 6.05% | +0.16% |
| Jumbo | 6.91% | 6.85% | +0.06% |
Sun Lakes Housing Market Overview
The Sun Lakes housing market reflects moderate demand with prices near the national average. The median household income in Sun Lakes is $55,900, 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 $89,614 to comfortably afford the median-priced home in Sun Lakes, which exceeds the current median household income.
Monthly Payment Breakdown for Sun Lakes
Based on the median home price of $368,000 with 20% down ($73,600), here is what you can expect to pay monthly in Sun Lakes:
15-Year vs. 30-Year Mortgage in Sun Lakes
Choosing a 15-year mortgage in Sun Lakes at 5.92% instead of a 30-year at 6.66% would save you $236,160 in total interest over the life of the loan. However, your monthly payment would be $2,472 instead of $1,892 — an increase of $580 per month.
Calculate Your Sun Lakes 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 Sun Lakes
What are the current mortgage rates in Sun Lakes, AZ?
As of March 2026, the average 30-year fixed mortgage rate in Sun Lakes, Arizona is 6.66%, while the 15-year fixed rate is 5.92%. FHA loans average 6.46% and VA loans 6.21%. These rates are 0.01% above the national average of 6.65%.
How much is a monthly mortgage payment in Sun Lakes?
Based on the median home price of $368,000 with 20% down, the estimated monthly mortgage payment in Sun Lakes is $1,892 for principal and interest. Including property taxes of $199/month, the total monthly housing cost is approximately $2,091.
What income do I need to buy a home in Sun Lakes?
Using the 28% rule, you would need an annual income of approximately $89,614 to afford the median-priced home in Sun Lakes at $368,000. The median household income in Sun Lakes is $55,900. This means most households would need to either earn above the median or consider homes below $368,000.
Is Sun Lakes a good place to buy a home in 2026?
Sun Lakes 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. Sun Lakes has a population of 14,537 and offers a balanced lifestyle.
Mortgage Rates in Other Arizona Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Sun Lakes, Arizona area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.