Current North Carolina mortgage rates
Buying a home in North Carolina starts with understanding rates. Explore Zillow Home Loans rates in North Carolina or get pre-approved to get a personalized rate.
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What are today’s North Carolina mortgage rates?
As of October 13, 2025, current 30-year fixed mortgage rates in North Carolina are 6%, while current 15-year fixed mortgage rates in North Carolina are 5.375%. For adjustable rates, like a 7-year ARM, rates are 5.75%.
Compare mortgage rates in North Carolina
Mortgage rates aren't one size fits all. We can give you an estimate based on your unique details.
Mortgage rates aren't one size fits all. We can give you an estimate based on your unique details.
Mortgage rates aren't one size fits all. We can give you an estimate based on your unique details.
Mortgage rates aren't one size fits all. We can give you an estimate based on your unique details.
Mortgage rates aren't one size fits all. We can give you an estimate based on your unique details.
Get your personalized rateMortgage rates aren't one size fits all. We can give you an estimate based on your unique details.
Explore your mortgage options in North Carolina
Loan programs and rates can vary by the state. To learn more about your mortgage affordability in North Carolina, get pre-approved with us at Zillow Home Loans. Our trusted loan officers can help you explore your home loan options to understand how daily rate changes in North Carolina may impact your affordability.
Check North Carolina mortgage rates daily to ensure you receive the lowest possible rate. You can also use our BuyAbility tool to personalize your home search on Zillow. We use current mortgage rates in North Carolina from Zillow Home Loans to provide you with a real-time estimate, so you know which homes fall within your home buying budget on Zillow.
Get a personalized rate with BuyAbility℠
See a rate estimate tailored to you and updated daily so you’re always searching with the latest.
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