Mortgage Rates in Trussville, Alabama — March 2026
Updated March 2026 | Based on Trussville market data and regional lending conditions
Trussville is a growing city in Alabama with a population of 25,131. The current 30-year fixed mortgage rate in Trussville is 6.27%, which is 0.38% below the national average. With a median home price of $335,000 and a 20% down payment of $67,000, homebuyers can expect a monthly principal and interest payment of approximately $1,654.
Current Mortgage Rates in Trussville, AL
Below are the current average mortgage rates available in the Trussville 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 | 6.27% | 6.65% | -0.38% |
| 15-Year Fixed | 5.51% | 5.89% | -0.38% |
| 5/1 ARM | 5.77% | 6.15% | -0.38% |
| FHA | 5.87% | 6.25% | -0.38% |
| VA | 5.67% | 6.05% | -0.38% |
| Jumbo | 6.47% | 6.85% | -0.38% |
Trussville Housing Market Overview
The Trussville housing market reflects moderate demand with prices near the national average. The median household income in Trussville is $72,000, and the cost of living index is 93 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $76,286 to comfortably afford the median-priced home in Trussville, which exceeds the current median household income.
Monthly Payment Breakdown for Trussville
Based on the median home price of $335,000 with 20% down ($67,000), here is what you can expect to pay monthly in Trussville:
15-Year vs. 30-Year Mortgage in Trussville
Choosing a 15-year mortgage in Trussville at 5.51% instead of a 30-year at 6.27% would save you $201,060 in total interest over the life of the loan. However, your monthly payment would be $2,191 instead of $1,654 — an increase of $537 per month.
Calculate Your Trussville Mortgage Payment
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Open Free CalculatorFrequently Asked Questions About Mortgages in Trussville
What are the current mortgage rates in Trussville, AL?
As of March 2026, the average 30-year fixed mortgage rate in Trussville, Alabama is 6.27%, while the 15-year fixed rate is 5.51%. FHA loans average 5.87% and VA loans 5.67%. These rates are 0.38% below the national average of 6.65%.
How much is a monthly mortgage payment in Trussville?
Based on the median home price of $335,000 with 20% down, the estimated monthly mortgage payment in Trussville is $1,654 for principal and interest. Including property taxes of $126/month, the total monthly housing cost is approximately $1,780.
What income do I need to buy a home in Trussville?
Using the 28% rule, you would need an annual income of approximately $76,286 to afford the median-priced home in Trussville at $335,000. The median household income in Trussville is $72,000. This means most households would need to either earn above the median or consider homes below $335,000.
Is Trussville a good place to buy a home in 2026?
Trussville offers a below-average cost of living with a cost of living index of 93 (national average = 100). The property tax rate in Alabama is 0.45%, which is below the national average. Trussville has a population of 25,131 and offers a very affordable lifestyle.
Mortgage Rates in Other Alabama Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Trussville, Alabama area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.