Mortgage Rates in West Linn, Oregon — April 2026
Updated April 2026 | Based on West Linn market data and regional lending conditions
West Linn is a smaller Oregon community of 26,672 where the housing market reflects local economic conditions. The current 30-year fixed rate here is 6.89% (0.8% above the national average). The median home price of $418,000 translates to roughly $2,552/month with 20% down — requiring an income of about $109,371, which exceeds the local median of $58,500.
Whether you call it a 30-year mortgage, 30-year home loan, 30-year house loan, or 30-year mortgage loan, the underlying product is the same: a fixed-rate amortizing loan paid over 360 months. In West Linn, OR, the current 30-year rate is 6.89%. Shorter terms (15-year fixed at 6.1% or 20-year fixed, typically priced between the 15- and 30-year) reduce total interest paid but increase monthly payments — see our 15-year vs 30-year comparison for the math. Government-backed options include FHA loans (6.57%) and VA loans (6.32%), often available at lower rates with reduced down payment requirements.
Current Mortgage Rates in West Linn, OR
Below are the current average mortgage rates available in the West Linn area as of April 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 | 6.89% | 6.09% | +0.8% |
| 15-Year Fixed | 6.1% | 5.58% | +0.52% |
| 5/1 ARM | 6.33% | 5.95% | +0.38% |
| FHA | 6.57% | 5.85% | +0.72% |
| VA | 6.32% | 5.65% | +0.67% |
| Jumbo | 7.14% | 6.25% | +0.89% |
West Linn Housing Market Overview
Housing in West Linn sits near the national average at $418,000. With a median household income of $58,500 and a cost of living index of 112.1, some buyers may need to look at lower price points or consider larger down payments.
Monthly Payment Breakdown for West Linn
Based on the median home price of $418,000 with 20% down ($83,600), here is what you can expect to pay monthly in West Linn:
15-Year vs. 30-Year Mortgage in West Linn
Choosing a 15-year mortgage in West Linn at 6.1% instead of a 30-year at 6.89% would save you $280,800 in total interest over the life of the loan. However, your monthly payment would be $2,840 instead of $2,200 — an increase of $640 per month.
Calculate Your West Linn 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 West Linn
What are the current mortgage rates in West Linn, OR?
As of April 2026, the average 30-year fixed mortgage rate in West Linn, Oregon is 6.89%, while the 15-year fixed rate is 6.1%. FHA loans average 6.57% and VA loans 6.32%. These rates are 0.8% above the national average of 6.09%.
How much is a monthly mortgage payment in West Linn?
Based on the median home price of $418,000 with 20% down, the estimated monthly mortgage payment in West Linn is $2,200 for principal and interest. Including property taxes of $352/month, the total monthly housing cost is approximately $2,552.
What income do I need to buy a home in West Linn?
Using the 28% rule, you would need an annual income of approximately $109,371 to afford the median-priced home in West Linn at $418,000. The median household income in West Linn is $58,500. This means most households would need to either earn above the median or consider homes below $418,000.
Is West Linn a good place to buy a home in 2026?
West Linn has a moderate cost of living with a cost of living index of 112.1 (national average = 100). The property tax rate in Oregon is 1.01%, which is near the national average. West Linn has a population of 26,672 and offers a balanced lifestyle.
Mortgage Rates in Other Oregon Cities
Related Tools & Guides
📊 Sources & Methodology
- 30-yr/15-yr fixed rates: Freddie Mac Primary Mortgage Market Survey (PMMS), weekly national average adjusted for Oregon regional spread.
- Median home price: $418,000 sourced from Redfin / Zillow real estate listings (2026 data).
- Property tax rate: 1.01% effective rate per Tax Foundation 2026 state property tax data.
- Median household income: $58,500 per US Census Bureau ACS 5-year estimate.
- Calculations: standard amortization formula M = P[r(1+r)^n] / [(1+r)^n − 1], with r = monthly rate, n = 360 months, P = loan amount (80% of home price).
Last updated: April 2026. Rates are approximate averages based on regional lending data for the West Linn, Oregon area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.