Mortgage Rates in Scottsdale, Arizona
Scottsdale is known for luxury living, world-class golf courses, and a vibrant arts scene. The city offers premium real estate from resort-style homes to contemporary urban condos.
6.17%
30-Yr Rate
$725,000
Median Price
+4.1% YoY
Price Change
250,000
Population
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Current Scottsdale Mortgage Rates
Average rates for borrowers with 740+ credit score and 20% down payment.
Source: Freddie Mac Primary Mortgage Market Survey via FRED | Updated: Mar 19, 2026
30-Year Fixed
6.17%
15-Year Fixed
5.51%
FHA 30-Year
5.67%
VA 30-Year
5.42%
Market Insight
Scottsdale's luxury market remains strong with continued interest from out-of-state buyers. The jumbo loan market is particularly active here due to higher home prices.
Top Lenders in Scottsdale
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Scottsdale Community Bank
Local
Wells Fargo
National
Quicken Loans
Online
Popular Scottsdale Neighborhoods
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Buying a Home in Scottsdale
Affordability
With a median home price of $725,000, a 20% down payment would be approximately $145,000. At current rates, monthly principal and interest would be around $3,541 (excluding taxes and insurance).
First-Time Buyers
Scottsdale buyers have access to Arizona state programs including HOME Plus (up to 5% down payment assistance) and Pathway to Purchase. FHA loans with 3.5% down are popular given local price points.
Market Conditions
The Scottsdale market has seen +4.1% YoY price appreciation year-over-year. Inventory levels and days on market vary by neighborhood and price point. Working with a local agent and getting pre-approved early is recommended.
Nearby Cities
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