Mortgage Rate Sensitivity Calculator
What would your payment be if rates were half a point lower or two points higher? This table shows the payment at a range of rates around your starting rate. These are scenarios, not forecasts.
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| Rate | Change | Monthly payment | vs starting rate |
|---|---|---|---|
| 2.62% | -1.50 pts | $2,269.82 | −$392.91 |
| 3.12% | -1.00 pts | $2,397.12 | −$265.61 |
| 3.62% | -0.50 pts | $2,528.12 | −$134.60 |
| 4.12% | 0.00 pts | $2,662.73 | +$0.00 |
| 4.62% | +0.50 pts | $2,800.82 | +$138.09 |
| 5.12% | +1.00 pts | $2,942.28 | +$279.55 |
| 5.62% | +1.50 pts | $3,086.97 | +$424.25 |
| 6.12% | +2.00 pts | $3,234.78 | +$572.06 |
| 7.12% | +3.00 pts | $3,539.20 | +$876.47 |
These are what-if scenarios, not rate forecasts.
Why this matters
Variable-rate payments or balances move with the lender's prime rate, and fixed-rate borrowers face a new rate at every renewal. Knowing how much a one-point change costs helps you size a buffer in your budget.
Stress test connection
Lenders already test whether you could afford a higher rate: the qualifying rate is the greater of your contract rate plus 2 percentage points or 5.25%.
Sources
Informational only, not financial advice. Data as of the release snapshot generated 2026-11-12.