Arizona Mortgage Rates (2026)
Current average mortgage rates, median home prices, and top lenders in Arizona. Rates apply to primary residence purchases with good credit (740+).
30yr Fixed
7.02%
Avg APR
15yr Fixed
6.42%
Avg APR
Median Price
$420,000
Median home
Monthly P&I
$2,240
30yr at 80% LTV
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Top Mortgage Lenders in Arizona
1
Get RateRocket Mortgage
Online convenience
30yr Fixed
7%
15yr Fixed
6.4%
Min Down
3%
2
Get RateChase
Existing customers
30yr Fixed
6.9%
15yr Fixed
6.3%
Min Down
3%
3
Get RateWells Fargo
Branch access
30yr Fixed
7.1%
15yr Fixed
6.5%
Min Down
3%
4
Get RateBank of America
Preferred Rewards
30yr Fixed
7%
15yr Fixed
6.4%
Min Down
3%
5
Get RateloanDepot
Low down payment
30yr Fixed
6.9%
15yr Fixed
6.3%
Min Down
3%
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First-Time Buyer Programs in Arizona
- ✓Home Plus AZ
- ✓Pathway to Purchase
- ✓HOME AZ
Mortgage Requirements in Arizona
- •Min 640 credit score for most AZ programs
- •DTI under 45%
- •Down payment assistance available for income-qualified buyers
Arizona Housing Market Facts
Phoenix metro is one of the fastest-growing housing markets in the US.
No state income tax on capital gains from home sales.
Conforming loan limit is $766,550 for most Arizona counties.
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