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TruePITI
Live Rates
30-Year Fixed6.625%-0.125|15-Year Fixed5.875%-0.063|30-Year FHA6.375%-0.125|30-Year VA6.125%-0.063|5/1 ARM6.125%0.000|7/1 ARM6.250%+0.063|30-Year Jumbo7.125%-0.188|15-Year Jumbo6.625%-0.125|CA Avg6.550%-0.080|TX Avg6.720%+0.050|FL Avg6.680%-0.030|NY Avg6.500%-0.100|PA Avg6.450%-0.050|IL Avg6.580%+0.020|OH Avg6.380%-0.070|GA Avg6.650%0.000|NC Avg6.520%-0.040|MI Avg6.480%-0.060|AZ Avg6.600%+0.030|WA Avg6.420%-0.090|30-Year Fixed6.625%-0.125|15-Year Fixed5.875%-0.063|30-Year FHA6.375%-0.125|30-Year VA6.125%-0.063|5/1 ARM6.125%0.000|7/1 ARM6.250%+0.063|30-Year Jumbo7.125%-0.188|15-Year Jumbo6.625%-0.125|CA Avg6.550%-0.080|TX Avg6.720%+0.050|FL Avg6.680%-0.030|NY Avg6.500%-0.100|PA Avg6.450%-0.050|IL Avg6.580%+0.020|OH Avg6.380%-0.070|GA Avg6.650%0.000|NC Avg6.520%-0.040|MI Avg6.480%-0.060|AZ Avg6.600%+0.030|WA Avg6.420%-0.090|

Best Mortgage Rates in Maricopa County, Arizona

Phoenix metro county, one of the fastest-growing housing markets in the US.

Rate data: Freddie Mac PMMS · Updated August 1, 2026 (build 2026-08-01)

Loan TypeMaricopa CountyArizona AvgNational
30-Year Fixed6.650%6.600%6.625%
15-Year Fixed5.900%5.850%5.875%
30-Year FHA6.400%6.350%6.375%
30-Year VA6.150%6.100%6.125%

County figures are the Arizona average adjusted for local market conditions. Actual rates vary by lender, credit score, and loan size.

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Frequently Asked Questions

What is the average mortgage rate in Maricopa County, Arizona?

The average 30-year fixed rate in Maricopa County is about 6.650% as of August 1, 2026, based on the state average of 6.600% adjusted for local market conditions. Your actual rate depends on credit score, loan size, and lender.

How much house can I afford in Maricopa County?

With a typical 20% down payment and the 6.650% county-average rate, a $100,000 household income qualifies for roughly a $400,000-$450,000 home before property taxes and insurance. Use our affordability calculator for your exact numbers.

Should I get a 15-year or 30-year mortgage in Maricopa County?

A 15-year loan runs about 5.900% in Maricopa County — around 0.75% lower than a 30-year — but the monthly payment is roughly 40-50% higher. Choose 15 years if you want to minimize total interest; choose 30 if monthly cash flow matters more.