5/1 ARM Rates Today
Educational estimates only · Not a loan offer
5.8% – 6.4%Avg (Good Credit, Mar 2026)
What is a 5/1 ARM?
A 5/1 ARM has a fixed rate for the first 5 years, then adjusts annually based on a benchmark index plus a margin. The initial rate is typically lower than a 30-year fixed, making it attractive if you plan to sell or refinance before the adjustment period begins. After year 5, your payment can rise or fall with market rates.
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Rate ranges are estimates for educational purposes only and do not constitute financial advice or a loan offer. Lemon Insider is not a lender and does not facilitate loan applications.