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Maryland mortgage rates today

The current 30-year fixed mortgage rate is as low as 6.375%.

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Rate

6.375%

APR 6.734%

Est. Monthly Payment

$2,246

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Rate

5.625%

APR 6.236%

Est. Monthly Payment

$2,965

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Rate

5.750%

APR 6.478%

Est. Monthly Payment

$2,101

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Rate

5.625%

APR 6.615%

Est. Monthly Payment

$2,258

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Rate

5.625%

APR 6.182%

Est. Monthly Payment

$2,098

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Last updated: January 23rd 2026, 12:30pm EST. The above rates are current as of January 23rd 2026, 4:35pm EST. The table is updated twice every day with the current mortgage rates.

Maryland Mortgage Rates FAQs

What is the average mortgage rate in Maryland?

 

Mortgage interest rates in Maryland, the percentages charged by lenders for home loans or refinancing in the Free State, directly impact the total borrowing expenses for home proprietors in the area.

What are the current mortgage rates in Maryland?

You can examine the current mortgage rates in Maryland for each product we provide above. We refresh them twice daily to guarantee an exact picture of today's costs.

How do Maryland interest rates affect mortgages in the state?

 

Whether high or low, interest levels in Maryland establish the overall price tag of property possession; steep rates necessarily mean larger monthly obligations and bigger overall outlays, while decreased rates foster affordability and financial prudence for those living in the Old Line State. Homebuyers or present owners desire to pay only what is necessary over the lifetime of their mortgage. With diligence and timing, obtaining the most favorable mortgage interest rates in Maryland allows for saving substantially in interest payments.

Maryland Mortgage Rates FAQs FAQ Image
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Mortgage rates are volatile and subject to change without notice. All rates shown are for 30-day rate locks with two and a half points for a single family owner-occupied primary residence with 750 or higher FICO and 80 LTV over a 30-year loan term except where otherwise noted and are subject to mortgage approval with full documentation of income. The APR for a 30-year and 15-year conventional fixed-rate mortgage loans are calculated using a loan amount of $360,000, two and a half points, a $495 application fee, $450 appraisal fee, $1,195 underwriting fee, a $10 flood certification fee, and a $82 credit report fee.* 15-year conventional mortgage rates are calculated with a 15-year loan term.* The APR for jumbo mortgage rates is calculated using a loan amount of $500,000, two and a half points, a $495 application fee, $450 appraisal fee, $1,195 underwriting fee, $10 flood certification fee, and a $82 credit report fee.* The APR for FHA mortgage rates is calculated using a loan amount of $360,000, two and a half points, a $495 application fee, $450 appraisal fee, $1,195 underwriting fee, $10 flood certification fee, and a $82 credit report fee. Some rates and fees may vary by state.* The APR for adjustable rate mortgages (ARMs) is calculated using a loan amount of $360,000, two and a half points, a $495 application fee, $450 appraisal fee, $1,195 underwriting fee, $10 flood certification fee and a $82 credit report fee. Some rates and fees may vary by state. Products are subject to availability on a state-by-state basis. By refinancing your existing loan, your total finance charge may be higher over the life of the loan.