Charlotte-Concord-Gastonia, NC-SC metro area mortgage rates
Updated Oct 12, 2026Across North Carolina and South Carolina.
Today's Charlotte-Concord-Gastonia estimates
| Loan | Refinance | Buy a home | ||
|---|---|---|---|---|
| Rate | APR | Rate | APR | |
| 30-year fixed | 7.42% | 7.55% | 7.33% | 7.46% |
| 15-year fixed | 6.72% | 6.84% | 6.68% | 6.80% |
| FHA 30-year fixed | 6.75% | 7.62% | 6.81% | 7.68% |
| VA 30-year fixed | 6.53% | 6.69% | 6.72% | 6.89% |
| Jumbo 30-year fixed | 7.40% | 7.53% | 7.34% | 7.46% |
| 5/6 adjustable-rate | 5.57% | 6.32% | 5.48% | 6.23% |
Estimates for Oct 9, 2026: 760–779 credit, 20% down, $400,000 loan, at typical points.
About these estimates
Each rate is quoted at the points typical for its loan. The Charlotte-Concord-Gastonia, NC-SC metro area's estimate is the national one moved by how far its 2025 borrowers paid from the nation's, every loan of a purpose together, in the records lenders report under the Home Mortgage Disclosure Act (HMDA): the same move for every product, credit score and down payment. FHA, VA and jumbo estimates are the same for every credit score; the jumbo's is for a $1,200,000 loan.
Estimate, not an offer · FFIEC, effective Oct 12, 2026 · Fannie Mae, dated Sep 30, 2026 · FFIEC, 2025 · U.S. Treasury, Oct 9, 2026
Sources and licences
Average prime offer rates published by the FFIEC for the Consumer Financial Protection Bureau; a U.S. government work in the public domain.
Borrower adjustments derived from Fannie Mae's Loan-Level Price Adjustment Matrix dated September 30, 2026. Fannie Mae does not endorse these estimates.
Loan records reported under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau; information the CFPB creates is in the public domain.
10-year par yield from the U.S. Department of the Treasury's daily par yield curve rates.
Charlotte-Concord-Gastonia borrowers in 2025
| Charlotte-Concord-Gastonia borrowers in 2025 | Charlotte-Concord-Gastonia | Nation |
|---|---|---|
| 30-year fixed purchase rates, middle half | 7.04–7.60% | 7.14–7.65% |
| Closing costs, purchase | $4,907 | $5,439 |
| Closing costs, refinance | $4,800 | $4,429 |
| Loan amount, purchase | $355,000 | $325,000 |
| Loan amount, refinance | $395,000 | $375,000 |
Past loans, not offers · U.S. Census Bureau, 2025 · FFIEC, 2025
Sources and licences
Names of counties and metro areas from the U.S. Census Bureau's TIGERweb service; a U.S. government work in the public domain.
Loan records reported under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau; information the CFPB creates is in the public domain.
Its counties
| County | Loans, 2025 | Conforming limit | FHA limit |
|---|---|---|---|
| Anson CountyNorth Carolina | 112 | $832,750 | $541,287 |
| Cabarrus CountyNorth Carolina | 3,253 | $832,750 | $541,287 |
| Gaston CountyNorth Carolina | 3,130 | $832,750 | $541,287 |
| Iredell CountyNorth Carolina | 2,763 | $832,750 | $541,287 |
| Lincoln CountyNorth Carolina | 1,147 | $832,750 | $541,287 |
| Mecklenburg CountyNorth Carolina | 12,638 | $832,750 | $541,287 |
| Rowan CountyNorth Carolina | 1,620 | $832,750 | $541,287 |
| Union CountyNorth Carolina | 3,498 | $832,750 | $541,287 |
| Chester CountySouth Carolina | 342 | $832,750 | $541,287 |
| Lancaster CountySouth Carolina | 1,747 | $832,750 | $541,287 |
| York CountySouth Carolina | 3,960 | $832,750 | $541,287 |
Published limits and loans · U.S. Census Bureau, 2025 · HUD, 2026 · FHFA, 2026 · FFIEC, 2025
Sources and licences
Names of counties and metro areas from the U.S. Census Bureau's TIGERweb service; a U.S. government work in the public domain.
FHA forward mortgage limits by county from the U.S. Department of Housing and Urban Development; a U.S. government work in the public domain.
Conforming loan limits by county from the Federal Housing Finance Agency; a U.S. government work in the public domain.
Loan records reported under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau; information the CFPB creates is in the public domain.