Mortgage Rates in Wilson, North Carolina — March 2026
Updated March 2026 | Based on Wilson market data and regional lending conditions
Wilson is a growing city in North Carolina with a population of 49,167. The current 30-year fixed mortgage rate in Wilson is 6.83%, which is 0.18% above the national average. With a median home price of $262,000 and a 20% down payment of $52,400, homebuyers can expect a monthly principal and interest payment of approximately $1,371.
Current Mortgage Rates in Wilson, NC
Below are the current average mortgage rates available in the Wilson 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 | 6.83% | 6.65% | +0.18% |
| 15-Year Fixed | 6.05% | 5.89% | +0.16% |
| 5/1 ARM | 6.3% | 6.15% | +0.15% |
| FHA | 6.54% | 6.25% | +0.29% |
| VA | 6.29% | 6.05% | +0.24% |
| Jumbo | 7.08% | 6.85% | +0.23% |
Wilson Housing Market Overview
The Wilson housing market offers relatively affordable housing compared to many major cities. The median household income in Wilson is $51,800, and the cost of living index is 94.7 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $65,700 to comfortably afford the median-priced home in Wilson, which exceeds the current median household income.
Monthly Payment Breakdown for Wilson
Based on the median home price of $262,000 with 20% down ($52,400), here is what you can expect to pay monthly in Wilson:
15-Year vs. 30-Year Mortgage in Wilson
Choosing a 15-year mortgage in Wilson at 6.05% instead of a 30-year at 6.83% would save you $174,240 in total interest over the life of the loan. However, your monthly payment would be $1,774 instead of $1,371 — an increase of $403 per month.
Calculate Your Wilson 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 Wilson
What are the current mortgage rates in Wilson, NC?
As of March 2026, the average 30-year fixed mortgage rate in Wilson, North Carolina is 6.83%, while the 15-year fixed rate is 6.05%. FHA loans average 6.54% and VA loans 6.29%. These rates are 0.18% above the national average of 6.65%.
How much is a monthly mortgage payment in Wilson?
Based on the median home price of $262,000 with 20% down, the estimated monthly mortgage payment in Wilson is $1,371 for principal and interest. Including property taxes of $162/month, the total monthly housing cost is approximately $1,533.
What income do I need to buy a home in Wilson?
Using the 28% rule, you would need an annual income of approximately $65,700 to afford the median-priced home in Wilson at $262,000. The median household income in Wilson is $51,800. This means most households would need to either earn above the median or consider homes below $262,000.
Is Wilson a good place to buy a home in 2026?
Wilson offers a below-average cost of living with a cost of living index of 94.7 (national average = 100). The property tax rate in North Carolina is 0.74%, which is below the national average. Wilson has a population of 49,167 and offers a very affordable lifestyle.
Mortgage Rates in Other North Carolina Cities
Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the Wilson, North Carolina area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.