Mortgage Rates in Hawaiian Gardens, California — March 2026
Updated March 2026 | Based on Hawaiian Gardens market data and regional lending conditions
Hawaiian Gardens is a growing city in California with a population of 14,254. The current 30-year fixed mortgage rate in Hawaiian Gardens is 6.63%, which is 0.02% below the national average. With a median home price of $597,000 and a 20% down payment of $119,400, homebuyers can expect a monthly principal and interest payment of approximately $3,060.
Current Mortgage Rates in Hawaiian Gardens, CA
Below are the current average mortgage rates available in the Hawaiian Gardens area as of March 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.63% | 6.65% | -0.02% |
| 15-Year Fixed | 5.9% | 5.89% | +0.01% |
| 5/1 ARM | 6.18% | 6.15% | +0.03% |
| FHA | 6.44% | 6.25% | +0.19% |
| VA | 6.19% | 6.05% | +0.14% |
| Jumbo | 6.88% | 6.85% | +0.03% |
Hawaiian Gardens Housing Market Overview
The Hawaiian Gardens housing market is competitive with prices well above the national median. The median household income in Hawaiian Gardens is $67,300, and the cost of living index is 143.9 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $146,914 to comfortably afford the median-priced home in Hawaiian Gardens, which exceeds the current median household income.
Monthly Payment Breakdown for Hawaiian Gardens
Based on the median home price of $597,000 with 20% down ($119,400), here is what you can expect to pay monthly in Hawaiian Gardens:
15-Year vs. 30-Year Mortgage in Hawaiian Gardens
Choosing a 15-year mortgage in Hawaiian Gardens at 5.9% instead of a 30-year at 6.63% would save you $380,700 in total interest over the life of the loan. However, your monthly payment would be $4,005 instead of $3,060 — an increase of $945 per month.
Calculate Your Hawaiian Gardens Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in Hawaiian Gardens
What are the current mortgage rates in Hawaiian Gardens, CA?
As of March 2026, the average 30-year fixed mortgage rate in Hawaiian Gardens, California is 6.63%, while the 15-year fixed rate is 5.9%. FHA loans average 6.44% and VA loans 6.19%. These rates are 0.02% below the national average of 6.65%.
How much is a monthly mortgage payment in Hawaiian Gardens?
Based on the median home price of $597,000 with 20% down, the estimated monthly mortgage payment in Hawaiian Gardens is $3,060 for principal and interest. Including property taxes of $368/month, the total monthly housing cost is approximately $3,428.
What income do I need to buy a home in Hawaiian Gardens?
Using the 28% rule, you would need an annual income of approximately $146,914 to afford the median-priced home in Hawaiian Gardens at $597,000. The median household income in Hawaiian Gardens is $67,300. This means most households would need to either earn above the median or consider homes below $597,000.
Is Hawaiian Gardens a good place to buy a home in 2026?
Hawaiian Gardens has a higher cost of living than average with a cost of living index of 143.9 (national average = 100). The property tax rate in California is 0.74%, which is below the national average. Hawaiian Gardens has a population of 14,254 and offers a balanced lifestyle.
Mortgage Rates in Other California Cities
Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the Hawaiian Gardens, California area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.