Today’s Mortgage Rates in Arizona<\/h2>\n
Arizona\u2019s average APR on a 30-year mortgage decreased 0.052 points to 6.272% over the past week, according to data from the Mortgage Research Center. The rate is down 0.564 points over the last 90 days and down 0.26 points over the last 30 days.<\/p>\n
The state\u2019s average APR for the benchmark 15-year fixed mortgage increased 0.025 points to 5.29% over the past week. Over the last 90 days, the rate is down 0.57 points; it\u2019s down 0.243 points over the last 30 days.<\/p>\n
The average APR for a 30-year jumbo mortgage rose 0.101 points to 6.713% since last week. It\u2019s down 0.408 points over the last 90 days and basically flat over the last 30 days.<\/p>\n
![\"Mortgage](\"http:\/\/www.capitalskips.com\/wp-content\/uploads\/2025\/09\/full-23.png\")
<\/img><\/div>\n30-year fixed-rate mortgage:<\/strong><\/p>\n 15-year fixed-rate mortgage:<\/strong><\/p>\n 30-year fixed-rate jumbo mortgage:<\/strong><\/p>\n Arizona’s average APR for the benchmark 30-year fixed refinance mortgage fell 0.034 points to 6.366% compared to a week ago. The rate is down 0.543 points over the last 90 days and down 0.226 points over the last 30 days.<\/p>\n The average APR in the state on a 15-year refinanced mortgage rose 0.023 points to 5.271% weekly. Over the last 90 days, the rate is down 0.578 points over the last 90 days; it\u2019s down 0.257 points over the last 30 days.<\/p>\n For jumbo 30-year refinanced mortgages, the average APR climbed 0.106 points to 6.759% week-to-week. It\u2019s down 0.435 points over the last 90 days and up 0.035 points over the last 30 days.<\/p>\n 30-year fixed-rate refinance mortgage:<\/strong><\/p>\n 15-year fixed-rate refinance mortgage:<\/strong><\/p>\n 30-year fixed-rate jumbo refinance mortgage:<\/strong><\/p>\n Understanding the patterns and changes in Arizona mortgage interest rates over time can empower you to make informed decisions about financing when purchasing a new home, refinancing or shopping for a second mortgage. Depending on your qualifications, analyzing Arizona mortgage rate trends may help you save over the life of the loan.<\/p>\n Arizona\u2019s mortgage rates have trended downward over the last three months, as have national rates.<\/p>\n Although state mortgage rates generally move in line with the national average, there are state-level differences.<\/p>\n Today’s average mortgage rate in Arizona is 6.272%, while the national average rate is 6.275%. That’s -0.003 percentage points lower than the national average.<\/p>\n Arizona’s mortgage refinance rate today is 6.366% versus the national average of 6.371% \u2013 0.005 percentage points lower than the national average.<\/p>\n Use the chart below to explore the differences between states.<\/p>\n Buying a home in Arizona can be an exciting adventure. With its diverse landscapes, rich culture and low cost of living, Arizona has something for everyone. Whether you\u2019re looking for a bustling city neighborhood in Phoenix or a quiet rural area, knowing the local real estate market and what\u2019s involved in buying a home is important. Working with a local real estate agent can help you navigate the process and find the perfect home for you. Likewise, staying informed about the market and local rules can simplify and ease your home-buying journey.<\/p>\n Getting the best mortgage rates in Arizona requires planning and research. Interest rates and trends can vary widely across regions, so make sure you understand the current rates in your area. Then, shop around to compare offers from multiple lenders, like banks, credit unions and online mortgage providers.<\/p>\n Maintaining a strong credit score and having a stable financial history can help you qualify for more competitive rates. Likewise, providing a down payment of at least 20% can lower your monthly payments and eliminate the need for private mortgage insurance (PMI). A local mortgage broker or financial advisor who knows the Arizona market can help you navigate the home-buying process more efficiently. By staying informed and proactive, you can find a mortgage rate that best fits your financial situation and home-buying goals.<\/p>\n \n<\/div>\n\n
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Today\u2019s Refinance Rates in Arizona<\/h2>\n
![\"Mortgage](\"http:\/\/www.capitalskips.com\/wp-content\/uploads\/2025\/09\/full-25.png\")
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Arizona Mortgage Rate Trends<\/h2>\n
![\"Arizona](\"http:\/\/www.capitalskips.com\/wp-content\/uploads\/2025\/09\/full-27.png\")
<\/img><\/div>\nArizona Mortgage Rates vs. National Mortgage Rates<\/h3>\n
![\"\"](\"http:\/\/www.capitalskips.com\/wp-content\/uploads\/2025\/09\/full-3.png\")
<\/img><\/div>\nBuying a House in Arizona<\/h2>\n
How to Get the Best Mortgage Rates in Arizona<\/h2>\n
Find the Best Mortgage Lenders of 2025<\/h2>\n