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Compare Yamhill, 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 Yamhill.
We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in Yamhill. Plus, shopping lenders is free and there is no obligation.
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Yamhill, 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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Compare Today's Yamhill, OR Mortgage Rates
November 28, 2024
Current mortgage rates in Yamhill, 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 Yamhill, 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 Yamhill, Oregon?
Below we provide helpful information on the real estate market, home prices and housing affordability in Yamhill. Understand how much you need to earn to afford a home in Yamhill, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Yamhill 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 Yamhill is right for you.
The median home value for Yamhill, OR is $451,975
Based on current mortgage rates and a 10% down payment, you need to make $94,289 per year to buy the median priced home in Yamhill
With this income, you could qualify for a $406,777 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 Yamhill is $2,184
The median household income for Yamhill, OR is $78,384
Based on this income, you can afford a home valued at approximately $375,733
The home price you can afford to buy based on household income in Yamhill is 83% of the median home value which means housing prices are expensive.
Yamhill ranks 25 out of 36 counties in Oregon and 2,976 out of 3,142 counties in the United States for housing affordability.
According to the FREEandCLEAR Housing Affordability Index, the housing market in Yamhill, OR is expensive
Loan Limits for Yamhill, Oregon
Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Yamhill below.
Conforming loan limits for Yamhill, OR
1 unit:$726,200
2 units:$929,850
3 units:$1,123,900
4 units:$1,396,800
FHA loan limits for Yamhill, OR
1 unit:$672,750
2 units:$861,250
3 units:$1,041,050
4 units:$1,293,750
VA loan limits for Yamhill, OR
1 unit:$726,200
Additional Mortgage Resources for Yamhill, OR Residents