State Guide
North Carolina Mortgage Rates 2026
10 min readExpert
VA LoansFHA LoansFirst-Time Buyer Programs
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🏔️ North Carolina
Mortgage Rates & Home Loans 2025
North Carolina offers moderate home prices, low property taxes, and strong first-time buyer programs. This guide reveals current mortgage rates and strategies to get the best deal.
⚡ Quick Facts - North Carolina 2025:
- Average 30-year rate: 6.71%
- Median home price: $360,000
- Property tax: ~0.84% (below average)
- Down payment assistance: 10+ programs
Current Mortgage Rates
Compare current rates from North Carolina lenders. For first-time buyers, check our complete first-time buyer guide.
First-Time Buyer Programs
Learn more in our guide to asking the right lender questions.
NCHFA First-Time Homebuyer Program
Down payment assistance up to 5% with favorable terms.