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Compare Roseburg, OR mortgage rates and fees from top lenders. Review free, personalized mortgage rates based on your specifc loan amount, program and other factors. Easily compare APRs, closing costs and monthly payments to find the lowest mortgage rates in Roseburg.
We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in Roseburg. Plus, shopping lenders is free and there is no obligation.
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Roseburg, OR Mortgage Rates as of November 28, 2024
Loan terms assume conforming mortgage amount on single family residence, 80% LTV ratio and minimum borrower credit score of 740. $150,000 minimum mortgage amount. Borrower is responsible for $1,055 lender fee. Loan terms are subject to change without notice.
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Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Read through our lender table disclaimer for more information on rates and product details.
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Compare Today's Roseburg, OR Mortgage Rates
November 28, 2024
Current mortgage rates in Roseburg, OR are % for a 30 year fixed rate loan, % for a 15 year fixed loan and % for a 5/1 adjustable rate mortgage (ARM)
Mortgage Program
Today's Roseburg, OR Rates
National Average
Comparison
30 Year Fixed Rate
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6.670%
15 Year Fixed Rate
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5.960%
5/1 Adjustable Rate Mortgage
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6.250%
How Affordable is Housing in Roseburg, Oregon?
Below we provide helpful information on the real estate market, home prices and housing affordability in Roseburg. Understand how much you need to earn to afford a home in Roseburg, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Roseburg fits your budget. This information is based on proprietary analysis you can only find on FREEandCLEAR and we offer it to help you decide if living in Roseburg is right for you.
The median home value for Roseburg, OR (Douglas County) is $274,576
Based on current mortgage rates and a 10% down payment, you need to make $57,281 per year to buy the median priced home in Roseburg
With this income, you could qualify for a $247,119 mortgage, assuming your monthly debt expense is reasonable
Based on this loan amount, the monthly mortgage payment required to buy the median priced home in Roseburg is $1,327
The median household income for Roseburg, OR (Douglas County) is $51,913
Based on this income, you can afford a home valued at approximately $248,845
The home price you can afford to buy based on household income in Roseburg is 91% of the median home value which means housing prices are expensive.
Roseburg (Douglas County) ranks 18 out of 36 counties in Oregon and 2,905 out of 3,142 counties in the United States for housing affordability.
According to the FREEandCLEAR Housing Affordability Index, the housing market in Roseburg, OR is expensive
Loan Limits for Roseburg, Oregon
Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Roseburg (Douglas County) below.
Conforming loan limits for Roseburg, OR
1 unit:$726,200
2 units:$929,850
3 units:$1,123,900
4 units:$1,396,800
FHA loan limits for Roseburg, OR
1 unit:$472,030
2 units:$604,400
3 units:$730,525
4 units:$907,900
VA loan limits for Roseburg, OR
1 unit:$726,200
Additional Mortgage Resources for Roseburg, OR Residents