Zeigler, Illinois Mortgage Rates - October 2026
Brian McKay
Brian McKay
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Zeigler, Illinois mortgage rates from lenders serving Illinois range from 4.50% to 8.67%, verified by MonitorBankRates as of October 14, 2026. Current 30-year fixed mortgage rates for Zeigler, Illinois borrowers from lenders serving Illinois include First Community Credit UnionFirst Community Credit UnionA+5.0 ★Texas Ratio: 3.75% at 6.016%, PNB of KewaneePNB of KewaneeB4.7 ★Texas Ratio: 19.21% at 5.96%, GenFed Financial Credit UnionGenFed Financial Credit UnionA+5.0 ★Texas Ratio: 4.88% at 6.24%, Central Credit Union of IllinoisCentral Credit Union of IllinoisA+5.0 ★Texas Ratio: 4.42% at 5.99%, and Vantage Credit UnionVantage Credit UnionA+5.0 ★Texas Ratio: 4.97% at 6.75%. Mortgage rates as of October 14, 2026 according to verified data from MonitorBankRates.
Zeigler borrowers can compare 188 mortgage rates from 46 lenders serving the Illinois area, with mortgage rates as low as 6.016% from First Community Credit Union. Use the tabs below to compare available loan types. Rates are continually updated, so we recommend checking back frequently.
Mortgage Rates reflect actual verified offers from lenders actively lending to Illinois borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: October 14, 2026
Compare Mortgage Rates Today in Zeigler, Illinois & the Surrounding Area
Zeigler 30 Year Fixed Mortgage Rates
30-year fixed-rate home loan; interest rate not stated
No additional details available.
As Low As; Real Estate Loan Rates; Effective Date: 10/1/2026
- Oct 10, 20266.24%▲ from 5.49%
- Sep 18, 20265.49%first recorded
No additional details available.
No additional details available.
Fixed-rate mortgage; savings example based on $250,000 loan; excellent credit profile
No additional details available.
- Oct 11, 20266.89%▼ from 7.02%
- Sep 24, 20267.02%▲ from 6.77%
- Sep 15, 20266.77%first recorded
No additional details available.
No additional details available.
- Sep 18, 20267.09%▲ from 6.45%
- Sep 14, 20266.45%first recorded
As Low As; Lock in peace of mind for the long haul. A 30-year mortgage means lower monthly payments and lasting security.
- Oct 14, 20267.13%▼ from 7.25%
- Oct 1, 20267.25%▲ from 7.13%
- Sep 27, 20267.13%▲ from 7.00%
- Sep 22, 20267.00%▲ from 6.88%
No additional details available.
- Oct 11, 20267.15%▲ from 7.02%
- Sep 24, 20267.02%▲ from 6.77%
- Sep 15, 20266.77%first recorded
$200,000; Payment Example: $1,347.61
- Oct 13, 20267.21%▼ from 7.34%
- Oct 2, 20267.34%▲ from 7.32%
- Oct 1, 20267.32%first recorded
$200,000; Rate/term refinance; rates effective as of 10/13/2026; 30-day rate lock; minimum credit score 760; 75% LTV
- Oct 13, 20267.22%▲ from 6.78%
- Sep 22, 20266.78%first recorded
Home Loan Rates; Rates as of 10/9/2026
- Oct 13, 20267.23%▼ from 7.35%
- Oct 1, 20267.35%▲ from 6.85%
- Sep 18, 20266.85%▲ from 6.60%
- Sep 14, 20266.60%first recorded
Interest rate and APR starting at; $100,000 loan amount; $665 payment; rates based on 70% LTV, 760+ credit score
- Oct 14, 20267.24%▲ from 7.13%
- Sep 18, 20267.13%first recorded
$100,000; Payment Example: $673.80
- Oct 13, 20267.27%▼ from 7.34%
- Oct 2, 20267.34%▲ from 7.32%
- Oct 1, 20267.32%first recorded
$100,000; Rate/term refinance; rates effective as of 10/13/2026; 30-day rate lock; minimum credit score 760; 75% LTV
- Oct 13, 20267.28%▲ from 6.78%
- Sep 22, 20266.78%first recorded
$832,750; Payment Example: $5,680.83; Rate/Term loan amount limit context: $832,750 or less
- Oct 13, 20267.29%▼ from 7.34%
- Oct 2, 20267.34%▲ from 7.32%
- Oct 1, 20267.32%first recorded
Principal & Interest Payment: $1,569.01; Credit score 740 or higher; LTV 80% (20% down payment); Loan amount $230,000; One-time close construction; 1-year construction phase followed by 30-year permanent phase; Finance charges include $1,350 origination fee, $6.70 flood certification fee and $72 tax service fee
- Sep 27, 20267.31%▲ from 7.06%
- Sep 15, 20267.06%first recorded
$300,000; Payment Example: $2,046.53
- Oct 13, 20267.32%▼ from 7.34%
- Oct 2, 20267.34%▲ from 7.32%
- Oct 1, 20267.32%first recorded
No additional details available.
- Oct 12, 20267.33%▼ from 7.45%
- Oct 8, 20267.45%first recorded
No additional details available.
- Oct 11, 20267.42%▼ from 7.67%
- Oct 7, 20267.67%▲ from 7.55%
- Oct 1, 20267.55%▲ from 7.30%
- Sep 24, 20267.30%▲ from 7.17%
Conventional Fixed-Rate Mortgage; Principal & Interest Payment: $1,588.55; Assumptions: credit score 780 or higher, LTV 80% (20% down payment), loan amount $230,000, purchase, owner occupied/single family home, no secondary financing, escrow for taxes and insurance, 45-day lock
- Oct 14, 20267.43%▼ from 7.55%
- Oct 1, 20267.55%▲ from 7.30%
- Sep 24, 20267.30%▲ from 7.18%
- Sep 15, 20267.18%first recorded
Purchase rate; Advertised rates effective as of 10/13/2026
$832,750; Rate/term refinance; rates effective as of 10/13/2026; 30-day rate lock; minimum credit score 760; 75% LTV
- Oct 13, 20267.43%▲ from 6.78%
- Sep 22, 20266.78%first recorded
$250,000; Loan amount not exceeding $250,000; Estimated Payment: $1243.22
- Oct 9, 20267.44%▲ from 6.93%
- Sep 22, 20266.93%▲ from 6.81%
- Sep 14, 20266.81%first recorded
$300,000; Rate/term refinance; rates effective as of 10/13/2026; 30-day rate lock; minimum credit score 760; 75% LTV
- Oct 13, 20267.45%▲ from 6.78%
- Sep 22, 20266.78%first recorded
No additional details available.
As Low As; w/ 0.625 Points; Payment: 1,637.22
No additional details available.
- Oct 1, 20267.47%▲ from 7.09%
- Sep 24, 20267.09%▲ from 6.83%
- Sep 15, 20266.83%first recorded
Rates Effective: 10.14.26
- Sep 27, 20267.47%▲ from 7.34%
- Sep 24, 20267.34%▲ from 7.22%
- Sep 18, 20267.22%▲ from 7.09%
- Sep 15, 20267.09%first recorded
Payment: $1726.69
- Oct 14, 20267.49%▼ from 7.87%
- Oct 7, 20267.87%▲ from 7.74%
- Oct 1, 20267.74%▲ from 7.49%
- Sep 24, 20267.49%▲ from 7.24%
Fixed-Rate Mortgage; rates shown are based on our no-points option
- Oct 12, 20267.51%▼ from 7.63%
- Oct 8, 20267.63%▲ from 7.57%
- Oct 4, 20267.57%▼ from 7.67%
- Oct 1, 20267.67%▲ from 6.85%
Monthly Payment Example: $1,732.75; Rates effective as of 10/14/2026; 45-day rate lock period
- Oct 14, 20267.51%▼ from 7.51%
- Oct 1, 20267.51%▲ from 7.39%
- Sep 27, 20267.39%first recorded
Mortgage Purchase Rates; VA Assumptions: Purchase price $200,000, Loan Amount $204,300, no down-payment, 680 credit score, Illinois primary residence only, single family home, fees may include 2.15% VA funding fee as required by VA, first-time use, regular military, 45-day rate lock; Rates current as of 10/13/2026 at 10:40 AM
- Oct 14, 20267.52%▼ from 8.03%
- Oct 2, 20268.03%▲ from 7.42%
- Sep 27, 20267.42%first recorded
As Low As; Purchase rate; Displayed rates reflect a 45-day lock period; Refinances locked for 60 days
As low as; Rate: 7.250%; APR: 7.540%
- Oct 9, 20267.54%▲ from 7.16%
- Sep 29, 20267.16%▲ from 6.77%
- Sep 14, 20266.77%first recorded
Principal & Interest Payment: $1,186.37; Rate example assumes credit score 680 or higher, LTV 100%, 45-day lock; rate subject to change daily
- Oct 14, 20267.54%▼ from 7.92%
- Oct 7, 20267.92%▲ from 7.54%
- Oct 1, 20267.54%▲ from 7.42%
- Sep 27, 20267.42%▲ from 7.16%
As Low As; Mortgage; Rates effective as of 10/13/2026
Rates effective as of 10/13/2026; APR - Annual Percentage Rate
- Oct 14, 20267.55%▼ from 7.68%
- Oct 1, 20267.68%▲ from 7.55%
- Sep 27, 20267.55%▲ from 7.30%
- Sep 18, 20267.30%first recorded
Advertised rates effective as of 10/13/2026
Estimated Payment: $1258.59
- Oct 9, 20267.56%▲ from 7.06%
- Sep 14, 20267.06%first recorded
as low as
- Oct 12, 20267.58%▼ from 7.71%
- Oct 8, 20267.71%▲ from 7.46%
- Oct 3, 20267.46%▼ from 7.71%
- Oct 1, 20267.71%▲ from 7.58%
Mortgage Purchase Rates; Conventional Assumptions: Purchase Price $312,500, Loan Amount $250,000, single family home, Illinois primary residence, 80% loan-to-value, credit score 780 or higher, escrow required, 45-day rate lock; Rates current as of 10/13/2026 at 10:40 AM
- Oct 14, 20267.59%▼ from 7.73%
- Oct 2, 20267.73%▲ from 7.61%
- Sep 27, 20267.61%first recorded
Mortgage rates table (Product, Rate, APR, Payment)
- Oct 14, 20267.62%▼ from 7.87%
- Oct 7, 20267.87%first recorded
No additional details available.
- Oct 7, 20267.64%▲ from 7.13%
- Sep 24, 20267.13%first recorded
No additional details available.
- Oct 1, 20267.68%▲ from 6.68%
- Sep 19, 20266.68%first recorded
Mortgage Purchase Rates; HomeReady Assumptions: Purchase Price $260,000, Loan Amount $252,200, single family home, Illinois primary residence, 97% loan-to-value, credit score 780 or higher, escrow required, 45-day rate lock, income limits apply; income cannot exceed 80% of the area median income(AMI); Rates current as of 10/13/2026 at 10:40 AM
- Oct 14, 20267.71%▼ from 7.84%
- Oct 2, 20267.84%▲ from 7.65%
- Sep 27, 20267.65%first recorded
No additional details available.
- Oct 11, 20267.75%▼ from 8.14%
- Oct 7, 20268.14%▲ from 7.76%
- Sep 24, 20267.76%▲ from 7.63%
- Sep 19, 20267.63%▲ from 7.51%
No additional details available.
- Oct 1, 20267.76%▲ from 7.25%
- Sep 24, 20267.25%first recorded
Zeigler 15 Year Fixed Mortgage Rates
No additional details available.
For complete information or rate quotes contact a Mortgage Specialist at 563-210-2787 or 563-888-9670
No additional details available.
No additional details available.
No additional details available.
No additional details available.
- Sep 24, 20266.36%▲ from 6.11%
- Sep 15, 20266.11%first recorded
Conventional Mortgages - 5% Down; Pmt/$10,000: $85.06; Rate (as low as); based on $175,000 loan
As Low As; Get peace of mind with predictable monthly payments. Both traditional and short-term options available.
- Sep 27, 20266.50%▲ from 6.25%
- Sep 18, 20266.25%▲ from 6.13%
- Sep 14, 20266.13%first recorded
No additional details available.
No additional details available.
- Sep 18, 20266.59%▲ from 5.96%
- Sep 14, 20265.96%first recorded
Monthly Payment Example: $865.23; Minimum 15% down payment with no PMI; may be amortized up to 15 years
- Oct 14, 20266.59%▼ from 7.09%
- Oct 7, 20267.09%▲ from 6.71%
- Sep 18, 20266.71%▲ from 6.59%
- Sep 15, 20266.59%first recorded
No additional details available.
- Oct 11, 20266.61%▲ from 6.36%
- Sep 24, 20266.36%▲ from 6.11%
- Sep 15, 20266.11%first recorded
No additional details available.
Conventional Mortgages - 5% Down; Pmt/$10,000: $87.11; Rate (as low as); based on $175,000 loan
Interest rate and APR starting at; $100,000 loan amount; $857 payment; rates based on 70% LTV, 760+ credit score
Payment Example: $1,316.99
- Oct 13, 20266.75%▼ from 7.00%
- Oct 2, 20267.00%▲ from 6.88%
- Oct 1, 20266.88%▲ from 6.50%
- Sep 14, 20266.50%first recorded
Rate/term refinance; rates effective as of 10/13/2026; 30-day rate lock; minimum credit score 760; 75% LTV
- Oct 13, 20266.75%▲ from 6.63%
- Sep 22, 20266.63%first recorded
Home Loan Rates; Rates as of 10/9/2026
- Oct 13, 20266.78%▼ from 6.91%
- Oct 9, 20266.91%▲ from 6.78%
- Oct 1, 20266.78%▲ from 6.53%
- Sep 18, 20266.53%▲ from 6.16%
As Low As; Purchase rate; Displayed rates reflect a 45-day lock period; Refinances locked for 60 days
As Low As; w/ 0.875 Points; Payment: 2,090.66
No additional details available.
- Oct 12, 20266.85%▼ from 6.97%
- Oct 8, 20266.97%first recorded
Fixed-Rate Mortgage; rates shown are based on our no-points option
- Oct 12, 20266.90%▼ from 7.03%
- Oct 8, 20267.03%▲ from 6.79%
- Oct 4, 20266.79%▼ from 7.00%
- Oct 1, 20267.00%▲ from 6.18%
Payment: $2212.28
- Oct 14, 20266.93%▼ from 7.18%
- Sep 27, 20267.18%▲ from 7.06%
- Sep 24, 20267.06%▲ from 6.80%
- Sep 18, 20266.80%▲ from 6.68%
No additional details available.
- Oct 1, 20267.01%▲ from 6.63%
- Sep 24, 20266.63%▲ from 6.38%
- Sep 15, 20266.38%first recorded
As Low As; Mortgage; Rates effective as of 10/13/2026
Rates effective as of 10/13/2026; APR - Annual Percentage Rate
- Oct 14, 20267.08%▼ from 7.20%
- Sep 27, 20267.20%▲ from 6.95%
- Sep 18, 20266.95%first recorded
Conventional Fixed-Rate Mortgage; Principal & Interest Payment: $2,067.31; Assumptions: credit score 780 or higher, LTV 80% (20% down payment), loan amount $230,000, purchase, owner occupied/single family home, no secondary financing, escrow for taxes and insurance, 45-day lock
- Oct 14, 20267.08%▼ from 7.21%
- Oct 1, 20267.21%▲ from 6.96%
- Sep 24, 20266.96%▲ from 6.71%
- Sep 15, 20266.71%first recorded
Purchase rate; Advertised rates effective as of 10/13/2026
Advertised rates effective as of 10/13/2026
No additional details available.
- Oct 7, 20267.19%▲ from 6.97%
- Sep 24, 20266.97%first recorded
No additional details available.
- Oct 1, 20267.20%▲ from 5.84%
- Sep 19, 20265.84%first recorded
Mortgage Purchase Rates; Conventional Assumptions: Purchase Price $312,500, Loan Amount $250,000, single family home, Illinois primary residence, 80% loan-to-value, credit score 780 or higher, escrow required, 45-day rate lock; Rates current as of 10/13/2026 at 10:40 AM
- Oct 14, 20267.22%▼ from 7.26%
- Oct 2, 20267.26%▲ from 7.13%
- Sep 27, 20267.13%first recorded
Monthly Payment Example: $2,247.17; Rates effective as of 10/14/2026; 45-day rate lock period
- Oct 14, 20267.22%▲ from 7.09%
- Oct 1, 20267.09%▼ from 7.09%
- Sep 27, 20267.09%▲ from 6.59%
- Sep 24, 20266.59%first recorded
Estimated Payment: $1630.50
- Oct 9, 20267.22%▲ from 7.09%
- Sep 22, 20267.09%▲ from 6.84%
- Sep 14, 20266.84%first recorded
No additional details available.
- Sep 27, 20267.26%▲ from 6.83%
- Sep 15, 20266.83%first recorded
as low as
- Oct 12, 20267.26%▼ from 7.51%
- Oct 1, 20267.51%▲ from 7.26%
- Sep 28, 20267.26%▲ from 7.01%
- Sep 20, 20267.01%first recorded
As low as; Rate: 7.000%; APR: 7.461%
- Oct 9, 20267.46%▲ from 7.08%
- Sep 29, 20267.08%▲ from 6.57%
- Sep 14, 20266.57%first recorded
Effective October 14, 2026; *Qualifications Apply
- Oct 14, 20267.50%▲ from 7.12%
- Sep 24, 20267.12%▲ from 7.00%
- Sep 19, 20267.00%▲ from 6.87%
- Sep 15, 20266.87%first recorded
Rates based on a mortgage for $150,000 ($200 in loan origination fees included with APR), 80% loan to value, 730 credit score
No additional details available.
- Oct 11, 20267.63%▼ from 7.84%
- Oct 7, 20267.84%▲ from 7.71%
- Sep 24, 20267.71%▲ from 7.33%
- Sep 19, 20267.33%▲ from 7.21%
No additional details available.
- Oct 1, 20267.83%▲ from 7.33%
- Sep 24, 20267.33%first recorded
No additional details available.
Mortgage Rates; Monthly payment example $941.28
- Oct 9, 20268.08%▲ from 7.45%
- Sep 29, 20267.45%▲ from 6.70%
- Sep 14, 20266.70%first recorded
Rates fixed and based on a second mortgage for $50,000 ($200 in loan origination fees included with APR) with a loan-to-value of 80% and a 730 credit score
Zeigler 5/1 ARM Mortgage Rates
Adjustable Rate Mortgage (ARM) - Home Loans; Base Rate 4.500%, Initial APR 4.611%; APR assumes 30-year term, 2/6 caps
As Low As; Enjoy a low initial rate that adjusts with the market. Various terms and options available.
- Oct 14, 20266.00%▼ from 6.13%
- Oct 1, 20266.13%▲ from 5.63%
- Sep 18, 20265.63%▲ from 5.50%
- Sep 14, 20265.50%first recorded
No additional details available.
Adjustable Rate Mortgage
- Oct 13, 20266.25%▼ from 7.03%
- Oct 2, 20267.03%first recorded
Adjustable rate mortgage; initial interest rate and APR for the first 5 years; APR could increase after consummation
- Oct 9, 20266.26%▲ from 5.54%
- Sep 14, 20265.54%first recorded
As Low As; Purchase rate; Displayed rates reflect a 45-day lock period; Refinances locked for 60 days
No additional details available.
Conform / Jumbo: Up to $806,500
- Oct 5, 20266.86%▲ from 6.57%
- Sep 14, 20266.57%first recorded
As Low As; Home Loans
As Low As; Adjustable-Rate Mortgage
Interest rate and APR starting at; $200,000 loan amount; $1248 payment; 30-year term (360 payments); rates based on 70% LTV, 760+ credit score
Rates shown are based on our no-points option
Conform / Jumbo: Over $806,500
- Oct 5, 20267.06%▲ from 6.74%
- Sep 14, 20266.74%first recorded
No additional details available.
No additional details available.
- Oct 8, 20267.21%▲ from 7.14%
- Oct 3, 20267.14%▲ from 7.13%
- Oct 1, 20267.13%▲ from 7.09%
- Sep 24, 20267.09%▲ from 6.92%
No additional details available.
- Oct 10, 20267.51%▲ from 6.82%
- Oct 1, 20266.82%▲ from 6.65%
- Sep 27, 20266.65%▲ from 6.38%
- Sep 14, 20266.38%first recorded
Payment Example: $5.52
No additional details available.
- Oct 10, 20268.21%▲ from 6.93%
- Oct 1, 20266.93%▲ from 6.84%
- Sep 27, 20266.84%▲ from 6.56%
- Sep 14, 20266.56%first recorded
Zeigler 30-Year Jumbo Mortgage Rates
Adjustable-rate mortgage loan; Rates as of Oct 13, 2026 ET
- Oct 6, 20266.87%▲ from 6.77%
- Sep 30, 20266.77%first recorded
No additional details available.
- Oct 8, 20267.10%▲ from 7.03%
- Oct 3, 20267.03%▲ from 7.03%
- Oct 1, 20267.03%▲ from 6.98%
- Sep 24, 20266.98%first recorded
As Low As; Finance higher-priced homes without a large down payment or multiple mortgages.
- Oct 1, 20267.13%▲ from 6.88%
- Sep 18, 20266.88%▲ from 6.63%
- Sep 14, 20266.63%first recorded
Loan amount $940,000; down payment of at least 25%
Loan amount $940,000 with at least 25% equity; 30-year term
Principal & Interest Payment: $6,821.76; Jumbo loan; LTV 75% (25% down payment); loan amount $1,000,000; credit score 780 or higher; owner occupied single family; 60-day lock; minimum loan amount $832,751
- Sep 27, 20267.26%▲ from 7.01%
- Sep 15, 20267.01%first recorded
Purchase rate; Advertised rates effective as of 10/13/2026
Advertised rates effective as of 10/13/2026
$832,751 - $1,000,000
Loan amount $940,000; down payment of at least 25%
Loan amount $940,000 with at least 25% equity; 30-year term
As Low As; Jumbo Fixed-Rate Mortgage
- Oct 5, 20267.38%▼ from 7.50%
- Oct 2, 20267.50%▲ from 7.33%
- Sep 29, 20267.33%▲ from 7.13%
- Sep 25, 20267.13%▲ from 6.86%
Advertised rate: single-family primary residence, 720 FICO, 20% down; Rates as of Oct 13, 2026 ET
Fixed rate
Fixed rate
As Low As; Jumbo Fixed-Rate Mortgage
- Oct 5, 20267.53%▼ from 7.65%
- Oct 2, 20267.65%▲ from 7.40%
- Sep 29, 20267.40%▲ from 7.28%
- Sep 25, 20267.28%▲ from 7.02%
Loan amount $940,000; down payment of at least 25%
Jumbo
Loan amount $940,000; down payment of at least 25%
Loan amount $940,000 with at least 25% equity
Loan amount $940,000 with at least 25% equity
Rates Effective: 10.14.26
- Oct 7, 20267.78%▲ from 7.65%
- Oct 2, 20267.65%▲ from 7.53%
- Sep 18, 20267.53%▲ from 7.15%
- Sep 15, 20267.15%first recorded
Adjustable-rate mortgage (10/1 ARM)
- Oct 14, 20267.82%▲ from 7.00%
- Oct 1, 20267.00%▲ from 6.62%
- Sep 14, 20266.62%first recorded
As low as; Rate: 7.625%; APR: 7.924%
- Oct 9, 20267.92%▲ from 7.54%
- Sep 29, 20267.54%▲ from 7.05%
- Sep 14, 20267.05%first recorded
Adjustable-rate mortgage (7/1 ARM)
- Oct 14, 20268.04%▲ from 6.95%
- Oct 1, 20266.95%▲ from 6.58%
- Sep 14, 20266.58%first recorded
Zeigler 15-Year Jumbo Mortgage Rates
As Low As; Jumbo Fixed-Rate Mortgage
- Oct 5, 20266.70%▼ from 6.83%
- Oct 2, 20266.83%▲ from 6.58%
- Sep 29, 20266.58%▲ from 6.45%
- Sep 25, 20266.45%▲ from 6.20%
As Low As; Jumbo Fixed-Rate Mortgage
- Oct 5, 20266.79%▼ from 6.92%
- Oct 2, 20266.92%▲ from 6.67%
- Sep 29, 20266.67%▲ from 6.54%
- Sep 25, 20266.54%▲ from 6.29%
Fixed rate
Advertised rate: single-family primary residence, 720 FICO, 20% down; Rates as of Oct 13, 2026 ET
Jumbo
- Oct 13, 20267.23%▲ from 6.83%
- Sep 14, 20266.83%first recorded
Loan amount $940,000; down payment of at least 25%
Loan amount $940,000 with at least 25% equity
Zeigler 5/1 Jumbo ARM Mortgage Rates
As Low As; Jumbo Adjustable-Rate Mortgage
Adjustable-rate mortgage loan; Rates as of Oct 13, 2026 ET
- Oct 6, 20266.83%▲ from 6.75%
- Sep 30, 20266.75%first recorded
Loan amount $940,000; down payment of at least 25%
Loan amount $940,000 with at least 25% equity; 30-year term
Adjustable-rate mortgage (5/1 ARM)
- Oct 14, 20268.21%▲ from 6.93%
- Oct 1, 20266.93%▲ from 6.56%
- Sep 14, 20266.56%first recorded
Zeigler FHA Loan Rates
Rates Effective: 10.14.26
As Low As; FHA Mortgages - 3.5% Down
Primary Mortgage; Pmt/$10,000: $69.41
- Oct 14, 20268.00%▲ from 7.04%
- Sep 18, 20267.04%first recorded
3.5% Down; Rate shown as low as
FHA Mortgages - 3.5% Down; Rate (as low as) 7.250%; Pmt/$10,000: $69.41
No additional details available.
Mortgage Purchase Rates; FHA Assumptions: Purchase price $210,000, Loan Amount $206,196, 3.5% down-payment, 680 credit score, Illinois primary residence only, single family home, fees include 1.75% up front mortgage insurance premium (UFMIP) as required by FHA, results in higher APR, 45-day rate lock; Rates current as of 10/13/2026 at 10:40 AM
- Oct 14, 20268.01%▼ from 8.01%
- Oct 2, 20268.01%▲ from 7.97%
- Sep 27, 20267.97%first recorded
As Low As; FHA Mortgages - 3.5% Down
3.5% Down; Rate shown as low as
Primary Mortgage; Pmt/$10,000: $74.37
- Oct 14, 20268.15%▲ from 7.19%
- Sep 18, 20267.19%first recorded
FHA Mortgages - 3.5% Down; Rate (as low as) 7.375%; Pmt/$10,000: $74.37
Loan amount $270,019; down payment of at least 3.5%
Loan amount $270,019 with at least 3.5% equity; assumes FICO 680+
As Low As; FHA Mortgages - 3.5% Down
3.5% Down; Rate shown as low as
Primary Mortgage; Pmt/$10,000: $83.53
- Oct 14, 20268.56%▲ from 7.24%
- Sep 18, 20267.24%first recorded
FHA Mortgages - 3.5% Down; Rate (as low as) 7.750%; Pmt/$10,000: $83.53
Principal & Interest Payment: $1,179.99; Credit score 640 or higher; LTV 96.5% (3.5% down payment); Base loan amount of $170,000; Total loan amount of $172,975; 45-day lock
- Sep 27, 20269.57%▲ from 9.26%
- Sep 24, 20269.26%▲ from 8.96%
- Sep 15, 20268.96%first recorded
Purchase rate; Advertised rates effective as of 10/13/2026
Advertised rates effective as of 10/13/2026
Zeigler VA Loan Rates
Rates as of Oct 13, 2026 ET. Rates subject to change.
Rates as of Oct 13, 2026 ET. Rates subject to change.
No additional details available.
Rates Effective: 10.14.26
- Sep 27, 20267.47%▲ from 7.34%
- Sep 24, 20267.34%▲ from 7.22%
- Sep 18, 20267.22%▲ from 7.09%
- Sep 15, 20267.09%first recorded
Mortgage Purchase Rates; VA Assumptions: Purchase price $200,000, Loan Amount $204,300, no down-payment, 680 credit score, Illinois primary residence only, single family home, fees may include 2.15% VA funding fee as required by VA, first-time use, regular military, 45-day rate lock; Rates current as of 10/13/2026 at 10:40 AM
- Oct 14, 20267.52%▼ from 8.03%
- Oct 2, 20268.03%▲ from 7.42%
- Sep 27, 20267.42%first recorded
Loan amount $383,625; no down payment
Purchase rate; Advertised rates effective as of 10/13/2026
Advertised rates effective as of 10/13/2026
- Oct 14, 20267.54%▼ from 7.92%
- Oct 7, 20267.92%▲ from 7.42%
- Sep 27, 20267.42%▲ from 7.16%
- Sep 24, 20267.16%▲ from 7.04%
Principal & Interest Payment: $1,186.37; Rate example assumes credit score 680 or higher, LTV 100%, 45-day lock; rate subject to change daily
- Oct 14, 20267.54%▼ from 7.92%
- Oct 7, 20267.92%▲ from 7.54%
- Oct 1, 20267.54%▲ from 7.42%
- Sep 27, 20267.42%▲ from 7.16%
Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
Zeigler, IL Mortgage Rate Trends
Compare local Zeigler, IL mortgage rate quotes against the statewide average
Daily mortgage rate averages tracked across our database of verified mortgage rate quotes, updated every evening.
Illinois 30-year fixed rates fell 0.029 points over the past 7 days to 7.511%.
Illinois 15-year fixed rates fell 0.042 points over the past 7 days to 6.990%.
Illinois Mortgage Rate Forecast, Next 12 Months
Where are Illinois mortgage rates headed through October 2027?
Based on Fed funds rate futures, 10-year Treasury path, and historical mortgage spread model. Not financial advice.
What Forecast Rates Mean for Zeigler, IL Home Buyers
Monthly principal & interest payment on Zeigler, IL median home of $57,300 (20% down, 30-year fixed, city-level Census ACS median)
| Scenario | Rate | Mo. Payment | vs. Today | % of Income |
|---|---|---|---|---|
| Today (IL avg) | 7.511% | $321 | 9.3% | |
| 6-Month Forecast | 7.511% (7.16, 7.81%) | $321 | +$0/mo | 9.3% |
| 12-Month Forecast | 7.761% (7.41, 8.06%) | $329 | +$8/mo | 9.5% |
Income column = annual mortgage payment as % of Zeigler, IL median household income ($41,553). Above 30% is generally considered cost-burdened.
MonitorBankRates Housing Affordability Index (MBR-HAI)
A daily-updated affordability score for Zeigler, Illinois , computed from local Census Bureau data combined with current Illinois mortgage rates.
What This Score Means for Zeigler, Illinois Home Buyers
With a score of 158.8, Zeigler, Illinois is 61.7 points more affordable than the national average of 97.1. The area’s median home value of $57,300 against a median household income of $41,553 produces a price-to-income ratio of 1.4x , relatively affordable compared to national levels. At the current Illinois mortgage rate of 7.511%, a buyer purchasing the median-priced home with 20% down would carry a monthly payment of approximately $321 in principal and interest.
Beyond the mortgage payment, the median total monthly owner cost in this area is $546, covering mortgage, property taxes, insurance, and utilities. Property taxes alone average $97/month ($1,164/year). These ongoing costs factor directly into the MBR-HAI alongside the mortgage rate and income data.
Score computed from local U.S. Census Bureau ACS 5-Year Estimates (2024) and CPS/HVS Q4 2025 data, combined with the current Illinois live mortgage rate. Score of 100 = national average at 6.5% reference rate. Full methodology
How Mortgage Rates Impact Home Affordability in Zeigler, Illinois
Zeigler, Illinois Housing Market Overview
According to the U.S. Census Bureau, the median owner-occupied home value in Zeigler, Illinois is approximately $57,300. The 2026 FHFA conforming loan limit for this area is $832,750, meaning most buyers financing at 80% LTV will qualify for conforming loan pricing, making rate comparison across local lenders especially valuable.
Zeigler, Illinois Homeownership Rate
The homeownership rate in Zeigler, Illinois stands at 68.4%, near the national average of 65.7%. The homeowner vacancy rate of 0.5% signals a tight market with limited available inventory, making it critical to secure the best possible rate quickly when a suitable property becomes available.
Monthly Payment Estimates for Zeigler, Illinois Buyers
Even a small difference in your interest rate can add up to tens of thousands of dollars over the life of a loan. The table below shows monthly principal and interest payments on a $50,000 mortgage, based on a 20% down payment on the Zeigler, Illinois median home value.
| Interest Rate | Loan Term | Monthly Payment | Total Interest Paid |
|---|---|---|---|
| 7.011% | 30-year fixed | $333 | $69,887 |
| 7.511% Current Avg | 30-year fixed | $350 | $75,994 |
| 8.011% | 30-year fixed | $367 | $82,216 |
| 6.990% | 15-year fixed | $449 | $30,844 |
A 0.500% rate increase on a $50,000 loan adds roughly $17 per month and over $6,221 in total interest over a 30-year term. That’s why comparing verified, current rates from multiple lenders, using the rate table above, is one of the most impactful financial decisions a Zeigler, Illinois buyer can make.
Data sources: U.S. Census Bureau; Federal Housing Finance Agency (FHFA). Monthly payments shown are principal & interest only; taxes, insurance, and PMI not included.
Zeigler, Illinois Income & Housing Affordability
At a price-to-income ratio of 1.4x, Zeigler, Illinois is a relatively affordable housing market compared to national averages. That ratio, median home value divided by median household income, is a standard benchmark used by housing economists to gauge how accessible homeownership is relative to local earnings. The national baseline is approximately 3.8x.
What This Means for Zeigler, Illinois Buyers
With a median household income of $41,553 per year in Zeigler, Illinois ($3,463/month) and a median home value of approximately $57,300, a buyer financing at 80% LTV at the current average rate would commit roughly 10.1% of gross monthly income to principal and interest alone. that falls within a manageable range relative to income, though taxes, insurance, HOA fees, and PMI will add to the true monthly cost of ownership.
Compared to the Illinois statewide price-to-income ratio of 3.2x, Zeigler is more affordable relative to local incomes than the Illinois average, a relative bright spot for buyers within the state. In either case, even a 0.25% improvement in your mortgage rate meaningfully reduces both the income needed to qualify and the total cost over the loan term.
Data sources: U.S. Census Bureau. Monthly payment estimate assumes 80% LTV at current average rate; principal and interest only.
Full Cost of Homeownership in Zeigler, Illinois
A mortgage payment is just the starting point. Property taxes, insurance, and utilities add hundreds of dollars per month to the true cost of owning a home in Zeigler, Illinois. Understanding the full picture before you buy is the difference between a home you can afford and one that stretches you thin.
Owner vs. Renter Costs
In Zeigler, Illinois, the median homeowner with a mortgage pays approximately $546/month in total housing costs, covering the mortgage payment, property taxes, insurance, and utilities. The median renter pays $920/month including utilities. In this market, owning costs less per month than renting, a compelling financial case for buyers who can qualify for financing. Property taxes alone account for $97/month of the ownership cost, a figure that can vary dramatically by location and is often underestimated by first-time buyers.
Housing Cost Burden
The federal standard defines “cost burdened” as spending more than 30% of gross household income on housing. “Severely cost burdened” means spending 50% or more. Both thresholds leave little room for savings, emergencies, or other financial goals.
In Zeigler, Illinois, 28.9% of homeowners with mortgages are cost burdened and 34.9% of renters are cost burdened. Cost burden affects both groups at similar rates, reflecting a housing market where affordability pressures are broadly felt regardless of tenure. With an owner burden rate of 28.9% near the national average of 28.0%, this market reflects typical affordability conditions for mortgage holders.
Data sources: U.S. Census Bureau, American Community Survey 5-Year Estimates. Monthly owner costs include mortgage payment, taxes, insurance, and utilities. Property taxes reflect median annual taxes for mortgage holders. Rent reflects median gross rent including utilities. Cost burden figures reflect households spending 30%+ of gross income on housing.
Zeigler, Illinois Mortgage Payment Calculator
See your estimated monthly principal & interest payment at today’s Zeigler, Illinois rates. The home price is prefilled with the local median home value. Adjust anything, or click a current rate on the right to apply that loan type’s rate and term instantly.
Principal & interest only, excludes property taxes, homeowners insurance, PMI, and HOA dues. See the Full Cost of Homeownership section above for those figures. Estimates are for informational purposes only.
Run the Numbers on Your Zeigler, Illinois Home Loan
Rates are only part of the equation. Use these calculators to translate current Zeigler, Illinois mortgage rates and home loan rates into real numbers for your specific situation before you request quotes from mortgage lenders.
Enter your loan amount, interest rate, and term length to see your estimated monthly principal and interest payment. Adjust any variable to model different scenarios: a larger down payment, a shorter term, or a rate a quarter-point lower than what you were quoted.
CalculateTell us your gross income, monthly debt obligations, and how much you have for a down payment. We’ll show you the home price range you’re likely to qualify for at current Zeigler, Illinois rates, so you can shop with a realistic number in mind rather than discovering your ceiling after you’ve fallen in love with a property.
CalculateIf you already own a home, enter your current rate, remaining loan balance, and the rate you’ve been quoted to refinance. The calculator shows your new monthly payment, how much you’d save each month, and the break-even point, the number of months it takes for your savings to cover the closing costs of refinancing.
CalculateBuying isn’t always the better financial decision, and renting isn’t always throwing money away. This calculator weighs the full cost of each path: mortgage payments, taxes, insurance, and maintenance against rent increases and the opportunity cost of a down payment, to show which option builds more wealth over your intended time horizon in Zeigler, Illinois.
CalculateTypes of Mortgages Available in Zeigler, Illinois
Not every loan program is right for every buyer in Zeigler, Illinois. Rates, down payment requirements, eligibility rules, and long-term costs vary significantly across products, and the right choice depends on your credit profile, how long you plan to stay, and whether you qualify for any government-backed programs.
Fixed-Rate Mortgage
A fixed-rate mortgage locks your interest rate in for the entire loan term. Your principal and interest payment on day one is identical to payment 360. That predictability is valuable for long-term financial planning, especially in markets where housing costs represent a large share of household income.
Available in 10-, 15-, 20-, and 30-year terms. The 30-year minimizes monthly payments; the 15-year cuts total interest paid dramatically but requires a higher monthly commitment. The payment comparison table above shows exactly how those trade-offs look at today’s Zeigler, Illinois rate levels.
Adjustable-Rate Mortgage (ARM)
An ARM offers a fixed introductory rate for an initial period, commonly 5, 7, or 10 years, after which the rate adjusts periodically based on a market index. The starting rate is typically lower than a comparable fixed-rate loan, which reduces your monthly payment during the initial window.
ARMs work best when you have a defined exit timeline: if you plan to sell or refinance before the fixed period ends, you capture the lower rate without exposure to future adjustments. Rate caps govern how much the rate can move at each adjustment and in total, so read those terms closely before committing.
FHA Loan
Backed by the Federal Housing Administration, FHA loans are built for buyers who don’t yet meet conventional loan standards. You can qualify with a credit score of 580 and just 3.5% down, and some lenders will consider scores as low as 500 with a 10% down payment.
The cost of that lower barrier is mortgage insurance. FHA loans carry an upfront MIP of 1.75% of the loan amount (which can be rolled in) plus an annual MIP of 0.15% to 0.75% depending on your term and LTV. For buyers who would otherwise wait years to save a larger down payment, given ongoing home price trends in Zeigler, Illinois, FHA is often the faster path to ownership.
VA Loan
Available to eligible active-duty service members, veterans, reservists, National Guard members, and qualifying surviving spouses, VA loans are among the most favorable mortgage programs available anywhere. No down payment is required, there is no monthly mortgage insurance, and rates are generally competitive with, and often better than, conventional loan rates.
A one-time funding fee applies, 2.15% of the loan for first-time VA borrowers with no down payment, which can be financed into the loan. In Zeigler, Illinois, where home prices require substantial savings for a conventional down payment, the zero-down VA benefit is an enormous advantage for those who qualify.
Jumbo Loan
The 2026 FHFA conforming loan limit for Zeigler, Illinois is $832,750. Mortgages above that amount are classified as jumbo loans and are not eligible for purchase by Fannie Mae or Freddie Mac, which means lenders carry the full risk and price that risk accordingly.
Jumbo underwriting is stricter: lenders typically require a credit score of 700 or higher, substantial cash reserves, thorough income documentation, and a down payment of at least 10 to 20%. Rates may run slightly above conforming levels, though the gap narrows in competitive lending environments.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Zeigler, Illinois mortgage rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Mortgage Rate Data: We aggregate mortgage and refinance rates for Zeigler, Illinois directly from the official websites of local lenders, credit unions, and national mortgage originators using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every rate displayed is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home loan products in Zeigler, Illinois. We feature a comprehensive mix of licensed NMLS financial institutions, from neighborhood credit unions and competitive regional banks to large national originators available to borrowers in IL.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update mortgage rates daily. Because rates and APRs can fluctuate rapidly based on bond markets and economic conditions, every loan product features its own “last updated” date for full transparency.
Proprietary Lender Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data, including the Texas Ratio, ensuring you compare rates from secure, reliable lenders.
How a Mortgage Works in Zeigler, Illinois
A mortgage is a loan used to buy a home in Zeigler, Illinois, secured by the property itself as collateral. The borrower repays the amount over a set term, most commonly 30 or 15 years, in monthly installments that cover both principal and interest. Because the loan is secured, the lender can foreclose on the home if payments are not made, which is part of why mortgage rates are lower than rates on unsecured debt.
Fixed-Rate vs. Adjustable-Rate Mortgages for Zeigler, Illinois Buyers
A fixed-rate mortgage keeps the same interest rate for the entire term, so a Zeigler, Illinois homeowner’s principal-and-interest payment never changes. For example, First Community Credit Union is listing a Member's Best Home Loan (30-Year Fixed) at 6.016%. An adjustable-rate mortgage (ARM) starts with a fixed period, often five, seven, or ten years, and then adjusts periodically based on a market index. ARMs usually open with a lower rate, but the payment can rise once the fixed period ends, so they tend to suit Zeigler, Illinois borrowers who expect to move or refinance before that point. On the adjustable-rate side, Actors Federal Credit Union is listing a Adjustable Rate Mortgages (ARMs) - 5/1 ARM at 4.50%.
How Zeigler, Illinois Mortgage Rates Are Set
Mortgage rates move with the broader bond market, particularly the yield on the 10-year Treasury, plus a spread that reflects lender costs and risk. On top of that national baseline, the rate a Illinois borrower is offered depends on individual factors: credit score, down payment size, loan amount, loan type, and the property itself. This is why the advertised rates above are a starting point, and a borrower’s final rate is set once an application is underwritten.
Points and Closing Costs in Zeigler, Illinois
The interest rate is not the only cost of buying a home in Zeigler, Illinois. Discount points are an optional upfront fee (one point equals one percent of the loan amount) paid to lower the rate over the life of the loan. Closing costs cover items such as origination fees, appraisal, title insurance, and recording, and typically run two to five percent of the loan. Comparing the annual percentage rate (APR) alongside the note rate helps Zeigler, Illinois shoppers account for these costs when weighing lenders.
When Zeigler, Illinois Homeowners Should Consider Refinancing
Refinancing replaces an existing mortgage with a new one, usually to secure a lower rate, change the term, or tap home equity. For Zeigler, Illinois homeowners, the general guideline is that refinancing makes sense when the savings from a lower rate recoup the closing costs within the time the borrower plans to stay in the home, known as the break-even point. Borrowers also refinance to switch from an adjustable rate to a fixed rate, or to remove mortgage insurance once enough equity has built up. Current Zeigler, Illinois refinance rates from local lenders are listed on our refinance page.
Frequently Asked Questions about Mortgage Rates in Zeigler, Illinois
What are home loan rates in Zeigler, IL today?
How does my credit score affect my rate in Illinois?
What is a 30-Year Fixed Mortgage?
What are closing costs in Illinois?
Should I lock my mortgage rate?
What is an Adjustable-Rate Mortgage (ARM)?
What is a Jumbo Loan in Zeigler, Illinois?
Do I need 20% down to buy a house in Illinois?
What is the difference between Interest Rate and APR?
How do I compare mortgage lenders in Zeigler, Illinois?
How do I get mortgage quotes in Zeigler, Illinois?
What is the median home value in Zeigler, Illinois?
What is the homeownership rate in Zeigler, Illinois?
What is the conforming loan limit in Zeigler, Illinois?
What is the median monthly cost of homeownership in Zeigler, Illinois?
What are the median property taxes in Zeigler, Illinois?
What is the median rent in Zeigler, Illinois?
What percentage of homeowners are cost burdened in Zeigler, Illinois?
What percentage of renters are cost burdened in Zeigler, Illinois?
What are the best Mortgage rates in Zeigler, Illinois?
- First Community Credit Union: 6.016% (Member's Best Home Loan (30-Year Fixed))
- PNB of Kewanee: 5.96% (30 Year Fixed Mortgages)
- GenFed Financial Credit Union: 6.24% (30 Year Mortgage (Fixed))
- Central Credit Union of Illinois: 5.99% (30-Year Fixed-Rate Mortgages)
- Vantage Credit Union: 6.75% (30-Yr. Fixed - Member Advantage)
Zeigler, Illinois Rates & Resources
