Phoenix, AZ Mortgage Rates
Live Mortgage Rates in Phoenix, Arizona
6.490%
Phoenix Conventional Purchase benchmark (80% LTV, 780 FICO), updated Thursday, November 5, 2026 at 3:02 PM UTC
Sourced live from hundreds of wholesale lenders serving Phoenix and Arizona
Phoenix Benchmark Rates
Lowest available rate with no discount points paid in Phoenix, AZ for each standard scenario, sourced live
| Scenario | Rate (no points) | APR |
|---|---|---|
Conventional Conventional Purchase (80% LTV, 780 FICO) · Phoenix, AZ | 6.490% | 6.529% |
FHA FHA Purchase (96.5% LTV, 680 FICO) · Phoenix, AZ | 5.990% | 6.031% |
VA VA Purchase (100% LTV, 680 FICO) · Phoenix, AZ | 6.125% | 6.155% |
2026 Loan Limits in Arizona
Conforming
$832,750 baseline
FHA
$541,287
Standard FHA limit, applies to most Arizona counties.
About Phoenix Mortgage Rates
The rates shown above reflect the lowest available wholesale pricing for a Phoenix, Arizona homebuyer at the time of the snapshot. Rate Direct pulls pricing from hundreds of lenders serving Arizona and refreshes hourly, so the numbers stay close to what a licensed mortgage broker could actually source for a Phoenix property.
Your specific Phoenix rate depends on credit score, loan amount, property type (single-family vs multi-unit vs condo), loan-to-value, and loan purpose. A 780 FICO buyer at 80% LTV will price materially better than a 680 FICO buyer at 95% LTV. To see your exact rate across the full Arizona lender network, use the Rate Direct pricer.
Phoenix buyers also have access to FHA, VA, and USDA programs with lower down payments and more flexible credit guidelines. For down payment assistance specific to Arizona, see the Arizona DPA guide.
Get your personalized Phoenix mortgage rate
The rates above are the market benchmark for Phoenix. Your actual rate depends on your scenario.