Safe Rate Local

Mortgage Rates in Lake County, IN

7.130%APR 7.160% · $1,630/mo (20% Down)
Updated daily · May 21, 2026+0.231% (14d)
Safe Rate Choice20% Down Conv.
← Back to Lake County Hub
14-Day Rate Trend
+0.231%
LO 6.875%HI 7.130%TODAY 7.130%
ProductRate / APR Mo. Payment Points
15-Year Refi
15-year fixed refinance
0% Down740 FICO15-yr
6.249%
6.293% APR
$2,019
Principal & Interest
$0 Points
FHA Streamline
FHA streamline refinance
+$134/mo MI
0% Down640 FICO30-yr
6.266%
7.033% APR
$1,830
Principal & Interest
$0 Points
VA Cash-Out
VA cash-out refinance
0% Down640 FICO30-yr
6.420%
6.792% APR
$1,889
Principal & Interest
$0 Points
VA IRRRL
VA streamline refinance
0% Down640 FICO30-yr
6.425%
6.576% APR
$1,727
Principal & Interest
$0 Points
Rate/Term Refi
Conventional rate/term refinance
0% Down740 FICO30-yr
7.151%
7.182% APR
$1,590
Principal & Interest
$0 Points
Cash-Out Refi
Conventional cash-out refinance
0% Down740 FICO30-yr
7.491%
7.523% APR
$1,689
Principal & Interest
$0 Points

Mortgage Rates in Lake County: Local Market Snapshot

Median Home Value
$256,808
2-Yr Appreciation
14.4%
increase
Median Income
$77,391
household
Price-to-Income
3.3x
within reach

Rates updated daily via Safe Rate's pricing engine using live investor rate sheets, calibrated to Lake County's local loan limits and FHFA market data. Your actual rate depends on credit score, down payment, and lender.

Frequently Asked Questions

Market Snapshot

FIPS 18089
Average Home Value
$256,808
Average Rent
$1,214/mo
Average Income
$77,391
Property Tax
$2,134/yr
Avg Loan
$235,441
Avg LTV
77.9%

Estimated Insurance

Homeowners Insurance
HO-3 policy · covers dwelling, property & liability
$70/mo
Flood Insurance$38/mo
Risk TierModerate
Get Your Rate

Get a custom quote for Lake County, take our product quiz to find the right loan, or save this rate to your dashboard.

Rates are representative estimates using base pricing sourced from national wholesale lenders. Safe Rate Mortgage is a broker driven platform. Estimated rates incorporate 1.40% lender paid compensation (minimum $2,000, maximum $4,000). At initial launch, no compensation occurs. Demographic and housing data sourced from public HUD and FHFA datasets.