Mortgage Rates in Tigard, Oregon — March 2026
Updated March 2026 | Based on Tigard market data and regional lending conditions
Tigard is a growing city in Oregon with a population of 55,767. The current 30-year fixed mortgage rate in Tigard is 6.64%, which is 0.01% below the national average. With a median home price of $481,000 and a 20% down payment of $96,200, homebuyers can expect a monthly principal and interest payment of approximately $2,468.
Current Mortgage Rates in Tigard, OR
Below are the current average mortgage rates available in the Tigard 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 | 6.64% | 6.65% | -0.01% |
| 15-Year Fixed | 5.9% | 5.89% | +0.01% |
| 5/1 ARM | 6.18% | 6.15% | +0.03% |
| FHA | 6.44% | 6.25% | +0.19% |
| VA | 6.19% | 6.05% | +0.14% |
| Jumbo | 6.89% | 6.85% | +0.04% |
Tigard Housing Market Overview
The Tigard housing market reflects moderate demand with prices near the national average. The median household income in Tigard is $63,100, and the cost of living index is 107.3 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $121,586 to comfortably afford the median-priced home in Tigard, which exceeds the current median household income.
Monthly Payment Breakdown for Tigard
Based on the median home price of $481,000 with 20% down ($96,200), here is what you can expect to pay monthly in Tigard:
15-Year vs. 30-Year Mortgage in Tigard
Choosing a 15-year mortgage in Tigard at 5.9% instead of a 30-year at 6.64% would save you $307,800 in total interest over the life of the loan. However, your monthly payment would be $3,226 instead of $2,468 — an increase of $758 per month.
Calculate Your Tigard 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 Tigard
What are the current mortgage rates in Tigard, OR?
As of March 2026, the average 30-year fixed mortgage rate in Tigard, Oregon is 6.64%, while the 15-year fixed rate is 5.9%. FHA loans average 6.44% and VA loans 6.19%. These rates are 0.01% below the national average of 6.65%.
How much is a monthly mortgage payment in Tigard?
Based on the median home price of $481,000 with 20% down, the estimated monthly mortgage payment in Tigard is $2,468 for principal and interest. Including property taxes of $369/month, the total monthly housing cost is approximately $2,837.
What income do I need to buy a home in Tigard?
Using the 28% rule, you would need an annual income of approximately $121,586 to afford the median-priced home in Tigard at $481,000. The median household income in Tigard is $63,100. This means most households would need to either earn above the median or consider homes below $481,000.
Is Tigard a good place to buy a home in 2026?
Tigard has a moderate cost of living with a cost of living index of 107.3 (national average = 100). The property tax rate in Oregon is 0.92%, which is near the national average. Tigard has a population of 55,767 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 Tigard, Oregon area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.