Mortgage rates in Fayetteville, NC
Current 30-year, 15-year, FHA, and VA averages, plus a worked monthly payment on a Fayetteville median-price home ($195,000). National averages update on the rates research page.
30-year fixed
6.85%
15-year fixed
6.05%
FHA 30-year
6.55%
VA 30-year
6.40%
Reference rates updated April 2026. Your quote depends on credit profile, loan-to-value, loan size, and lender. Tax and insurance figures are state-average estimates. Not a loan offer.
Monthly payment on a Fayetteville median-price home
30-year, 20% down
$1,261 /mo
- Sale price
- $195,000
- Loan amount
- $156,000
- Rate
- 6.85%
15-year, 20% down
$1,560 /mo
- Sale price
- $195,000
- Loan amount
- $156,000
- Rate
- 6.05%
FHA, 3.5% down
$1,521 /mo
- Sale price
- $195,000
- Loan amount
- $188,175
- Rate
- 6.55%
Includes ~0.55% annual MIP escrowed monthly.
Includes principal, interest, Cumberland County property tax (effective 0.82%), and North Carolina homeowners insurance estimate (0.65% of home value). HOA, PMI, and CDD/MUD assessments not included.
What drives the Fayetteville number
- Cumberland County property tax: ~0.82% effective rate. On the median price ($195,000) that escrows to about $133 per month.
- North Carolina insurance: ~0.65% of home value annually. About $106 per month.
- Loan-type spread: FHA quotes run ~0.30% below conventional, but you pay an upfront MIP plus 0.55% annual MIP for the life of the loan when you put less than 10% down.
Run the numbers for your scenario
Plug in your real price, down payment, and credit profile. We'll itemize the monthly payment and the cash to close.