Mortgage Rates in Yorktown, Indiana — March 2026
Updated March 2026 | Based on Yorktown market data and regional lending conditions
Yorktown is a growing city in Indiana with a population of 11,000. The current 30-year fixed mortgage rate in Yorktown is 6.83%, which is 0.18% above the national average. With a median home price of $175,000 and a 20% down payment of $35,000, homebuyers can expect a monthly principal and interest payment of approximately $915.
Current Mortgage Rates in Yorktown, IN
Below are the current average mortgage rates available in the Yorktown 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% |
Yorktown Housing Market Overview
The Yorktown housing market offers relatively affordable housing compared to many major cities. The median household income in Yorktown is $56,900, and the cost of living index is 86.7 (national average = 100). Based on the 28% affordability rule, the median income in Yorktown is sufficient to afford the median-priced home.
Monthly Payment Breakdown for Yorktown
Based on the median home price of $175,000 with 20% down ($35,000), here is what you can expect to pay monthly in Yorktown:
15-Year vs. 30-Year Mortgage in Yorktown
Choosing a 15-year mortgage in Yorktown at 6.05% instead of a 30-year at 6.83% would save you $116,100 in total interest over the life of the loan. However, your monthly payment would be $1,185 instead of $915 — an increase of $270 per month.
Calculate Your Yorktown 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 Yorktown
What are the current mortgage rates in Yorktown, IN?
As of March 2026, the average 30-year fixed mortgage rate in Yorktown, Indiana 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 Yorktown?
Based on the median home price of $175,000 with 20% down, the estimated monthly mortgage payment in Yorktown is $915 for principal and interest. Including property taxes of $120/month, the total monthly housing cost is approximately $1,035.
What income do I need to buy a home in Yorktown?
Using the 28% rule, you would need an annual income of approximately $44,357 to afford the median-priced home in Yorktown at $175,000. The median household income in Yorktown is $56,900. The median income is currently sufficient to meet this threshold.
Is Yorktown a good place to buy a home in 2026?
Yorktown offers a below-average cost of living with a cost of living index of 86.7 (national average = 100). The property tax rate in Indiana is 0.82%, which is near the national average. Yorktown has a population of 11,000 and offers a very affordable lifestyle.
Mortgage Rates in Other Indiana Cities
Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the Yorktown, Indiana area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.