Current Mortgage Rates for a 328k Home

What are the current mortgage rates for a 328,000 House?

30-Year Average

6.19%

15-Year Average

5.44%

Rates are from Freddie Mac's weekly survey of mortgage lenders across the US (updated: 12/4/2025). Check with a lender to get a complete idea of the mortgage costs. Use the calculator below to estimate monthly payments.

Mortgage Summary

Purchase Price

Down Payment

Interest Rate

Term

years

To get the best rates, compare multiple quotes from local banks and online lenders. A small change in APR can have a big impact on your total costs for a $328000 mortgage.

Get mortgage quotes directly from lenders to confirm your APR. Fees, such as closing costs can vary by lender so it's important to get a few quotes.

Browse the chart below to see monthly and total payments based on interest rate for 15 and 30 year fixed mortgage loans.

Monthly Mortgage Payment Based on Current Rates
Price	Down Payment	Loan Amount	5.44% (15 Years)	6.19% (30 Years)
328k	16,400	311,600	2,536.12	1,906.43
328k	32,800	295,200	2,402.64	1,806.09
328k	49,200	278,800	2,269.16	1,705.75
328k	65,600	262,400	2,135.68	1,605.42
328k	82,000	246,000	2,002.20	1,505.08
328k	98,400	229,600	1,868.72	1,404.74

Monthly Payment Table for a $328,000 Mortgage

Rate	15 Year Mortgage Monthly	15 Year Mortgage Total	30 Year Mortgage Monthly	30 Year Mortgage Total
2%	2,110.71	379,927.54	1,212.35	436,446.67
2.5%	2,187.07	393,672.35	1,296.00	466,558.76
3%	2,265.11	407,719.40	1,382.86	497,830.04
3.5%	2,344.81	422,066.65	1,472.87	530,231.97
4%	2,426.18	436,711.75	1,565.92	563,731.98
4.5%	2,509.18	451,652.04	1,661.93	598,294.01
5%	2,593.80	466,884.56	1,760.77	633,878.97
5.5%	2,680.03	482,406.07	1,862.35	670,445.25
6%	2,767.85	498,213.07	1,966.53	707,949.26
6.5%	2,857.23	514,301.79	2,073.18	746,345.92
7%	2,948.16	530,668.21	2,182.19	785,589.19
7.5%	3,040.60	547,308.10	2,293.42	825,632.49
8%	3,134.54	564,216.99	2,406.75	866,429.21