Mortgage Rates in The Dalles, Oregon — March 2026
Updated March 2026 | Based on The Dalles market data and regional lending conditions
The Dalles is a growing city in Oregon with a population of 15,340. The current 30-year fixed mortgage rate in The Dalles is 6.82%, which is 0.17% above the national average. With a median home price of $379,000 and a 20% down payment of $75,800, homebuyers can expect a monthly principal and interest payment of approximately $1,981.
Current Mortgage Rates in The Dalles, OR
Below are the current average mortgage rates available in the The Dalles 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 | 6.82% | 6.65% | +0.17% |
| 15-Year Fixed | 6.04% | 5.89% | +0.15% |
| 5/1 ARM | 6.29% | 6.15% | +0.14% |
| FHA | 6.53% | 6.25% | +0.28% |
| VA | 6.28% | 6.05% | +0.23% |
| Jumbo | 7.07% | 6.85% | +0.22% |
The Dalles Housing Market Overview
The The Dalles housing market reflects moderate demand with prices near the national average. The median household income in The Dalles is $65,800, and the cost of living index is 108.6 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $98,829 to comfortably afford the median-priced home in The Dalles, which exceeds the current median household income.
Monthly Payment Breakdown for The Dalles
Based on the median home price of $379,000 with 20% down ($75,800), here is what you can expect to pay monthly in The Dalles:
15-Year vs. 30-Year Mortgage in The Dalles
Choosing a 15-year mortgage in The Dalles at 6.04% instead of a 30-year at 6.82% would save you $251,460 in total interest over the life of the loan. However, your monthly payment would be $2,565 instead of $1,981 — an increase of $584 per month.
Calculate Your The Dalles 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 The Dalles
What are the current mortgage rates in The Dalles, OR?
As of March 2026, the average 30-year fixed mortgage rate in The Dalles, Oregon is 6.82%, while the 15-year fixed rate is 6.04%. FHA loans average 6.53% and VA loans 6.28%. These rates are 0.17% above the national average of 6.65%.
How much is a monthly mortgage payment in The Dalles?
Based on the median home price of $379,000 with 20% down, the estimated monthly mortgage payment in The Dalles is $1,981 for principal and interest. Including property taxes of $325/month, the total monthly housing cost is approximately $2,306.
What income do I need to buy a home in The Dalles?
Using the 28% rule, you would need an annual income of approximately $98,829 to afford the median-priced home in The Dalles at $379,000. The median household income in The Dalles is $65,800. This means most households would need to either earn above the median or consider homes below $379,000.
Is The Dalles a good place to buy a home in 2026?
The Dalles has a moderate cost of living with a cost of living index of 108.6 (national average = 100). The property tax rate in Oregon is 1.03%, which is near the national average. The Dalles has a population of 15,340 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 The Dalles, Oregon area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.