Mortgage Rates in Wellington, Colorado — March 2026
Updated March 2026 | Based on Wellington market data and regional lending conditions
Wellington is a growing city in Colorado with a population of 10,000. The current 30-year fixed mortgage rate in Wellington is 6.84%, which is 0.19% above the national average. With a median home price of $434,000 and a 20% down payment of $86,800, homebuyers can expect a monthly principal and interest payment of approximately $2,273.
Current Mortgage Rates in Wellington, CO
Below are the current average mortgage rates available in the Wellington 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 | 6.84% | 6.65% | +0.19% |
| 15-Year Fixed | 6.06% | 5.89% | +0.17% |
| 5/1 ARM | 6.3% | 6.15% | +0.15% |
| FHA | 6.54% | 6.25% | +0.29% |
| VA | 6.29% | 6.05% | +0.24% |
| Jumbo | 7.09% | 6.85% | +0.24% |
Wellington Housing Market Overview
The Wellington housing market reflects moderate demand with prices near the national average. The median household income in Wellington is $62,200, and the cost of living index is 94.9 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $105,171 to comfortably afford the median-priced home in Wellington, which exceeds the current median household income.
Monthly Payment Breakdown for Wellington
Based on the median home price of $434,000 with 20% down ($86,800), here is what you can expect to pay monthly in Wellington:
15-Year vs. 30-Year Mortgage in Wellington
Choosing a 15-year mortgage in Wellington at 6.06% instead of a 30-year at 6.84% would save you $288,900 in total interest over the life of the loan. However, your monthly payment would be $2,941 instead of $2,273 — an increase of $668 per month.
Calculate Your Wellington 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 Wellington
What are the current mortgage rates in Wellington, CO?
As of March 2026, the average 30-year fixed mortgage rate in Wellington, Colorado is 6.84%, while the 15-year fixed rate is 6.06%. FHA loans average 6.54% and VA loans 6.29%. These rates are 0.19% above the national average of 6.65%.
How much is a monthly mortgage payment in Wellington?
Based on the median home price of $434,000 with 20% down, the estimated monthly mortgage payment in Wellington is $2,273 for principal and interest. Including property taxes of $181/month, the total monthly housing cost is approximately $2,454.
What income do I need to buy a home in Wellington?
Using the 28% rule, you would need an annual income of approximately $105,171 to afford the median-priced home in Wellington at $434,000. The median household income in Wellington is $62,200. This means most households would need to either earn above the median or consider homes below $434,000.
Is Wellington a good place to buy a home in 2026?
Wellington offers a below-average cost of living with a cost of living index of 94.9 (national average = 100). The property tax rate in Colorado is 0.5%, which is below the national average. Wellington has a population of 10,000 and offers a very affordable lifestyle.
Mortgage Rates in Other Colorado Cities
Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the Wellington, Colorado area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.