Mortgage Rates in Imperial Beach, California — March 2026
Updated March 2026 | Based on Imperial Beach market data and regional lending conditions
Imperial Beach is a growing city in California with a population of 27,320. The current 30-year fixed mortgage rate in Imperial Beach is 6.87%, which is 0.22% above the national average. With a median home price of $791,000 and a 20% down payment of $158,200, homebuyers can expect a monthly principal and interest payment of approximately $4,155.
Current Mortgage Rates in Imperial Beach, CA
Below are the current average mortgage rates available in the Imperial Beach 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 | 6.87% | 6.65% | +0.22% |
| 15-Year Fixed | 6.08% | 5.89% | +0.19% |
| 5/1 ARM | 6.32% | 6.15% | +0.17% |
| FHA | 6.56% | 6.25% | +0.31% |
| VA | 6.31% | 6.05% | +0.26% |
| Jumbo | 7.12% | 6.85% | +0.27% |
Imperial Beach Housing Market Overview
The Imperial Beach housing market is competitive with prices well above the national median. The median household income in Imperial Beach is $80,800, and the cost of living index is 149.3 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $199,543 to comfortably afford the median-priced home in Imperial Beach, which exceeds the current median household income.
Monthly Payment Breakdown for Imperial Beach
Based on the median home price of $791,000 with 20% down ($158,200), here is what you can expect to pay monthly in Imperial Beach:
15-Year vs. 30-Year Mortgage in Imperial Beach
Choosing a 15-year mortgage in Imperial Beach at 6.08% instead of a 30-year at 6.87% would save you $529,740 in total interest over the life of the loan. However, your monthly payment would be $5,367 instead of $4,155 — an increase of $1,212 per month.
Calculate Your Imperial Beach 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 Imperial Beach
What are the current mortgage rates in Imperial Beach, CA?
As of March 2026, the average 30-year fixed mortgage rate in Imperial Beach, California is 6.87%, while the 15-year fixed rate is 6.08%. FHA loans average 6.56% and VA loans 6.31%. These rates are 0.22% above the national average of 6.65%.
How much is a monthly mortgage payment in Imperial Beach?
Based on the median home price of $791,000 with 20% down, the estimated monthly mortgage payment in Imperial Beach is $4,155 for principal and interest. Including property taxes of $501/month, the total monthly housing cost is approximately $4,656.
What income do I need to buy a home in Imperial Beach?
Using the 28% rule, you would need an annual income of approximately $199,543 to afford the median-priced home in Imperial Beach at $791,000. The median household income in Imperial Beach is $80,800. This means most households would need to either earn above the median or consider homes below $791,000.
Is Imperial Beach a good place to buy a home in 2026?
Imperial Beach has a higher cost of living than average with a cost of living index of 149.3 (national average = 100). The property tax rate in California is 0.76%, which is below the national average. Imperial Beach has a population of 27,320 and offers a balanced lifestyle.
Mortgage Rates in Other California Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Imperial Beach, California area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.