Mortgage Rates in San Dimas, California — March 2026
Updated March 2026 | Based on San Dimas market data and regional lending conditions
San Dimas is a growing city in California with a population of 34,980. The current 30-year fixed mortgage rate in San Dimas is 6.65%, which is at the national average. With a median home price of $716,000 and a 20% down payment of $143,200, homebuyers can expect a monthly principal and interest payment of approximately $3,677.
Current Mortgage Rates in San Dimas, CA
Below are the current average mortgage rates available in the San Dimas 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 | 6.65% | 6.65% | 0% |
| 15-Year Fixed | 5.91% | 5.89% | +0.02% |
| 5/1 ARM | 6.19% | 6.15% | +0.04% |
| FHA | 6.45% | 6.25% | +0.2% |
| VA | 6.2% | 6.05% | +0.15% |
| Jumbo | 6.9% | 6.85% | +0.05% |
San Dimas Housing Market Overview
The San Dimas housing market is competitive with prices well above the national median. The median household income in San Dimas is $70,000, and the cost of living index is 144 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $176,271 to comfortably afford the median-priced home in San Dimas, which exceeds the current median household income.
Monthly Payment Breakdown for San Dimas
Based on the median home price of $716,000 with 20% down ($143,200), here is what you can expect to pay monthly in San Dimas:
15-Year vs. 30-Year Mortgage in San Dimas
Choosing a 15-year mortgage in San Dimas at 5.91% instead of a 30-year at 6.65% would save you $458,640 in total interest over the life of the loan. However, your monthly payment would be $4,806 instead of $3,677 — an increase of $1,129 per month.
Calculate Your San Dimas Mortgage Payment
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Open Free CalculatorFrequently Asked Questions About Mortgages in San Dimas
What are the current mortgage rates in San Dimas, CA?
As of March 2026, the average 30-year fixed mortgage rate in San Dimas, California is 6.65%, while the 15-year fixed rate is 5.91%. FHA loans average 6.45% and VA loans 6.2%. These rates are at the national average of 6.65%.
How much is a monthly mortgage payment in San Dimas?
Based on the median home price of $716,000 with 20% down, the estimated monthly mortgage payment in San Dimas is $3,677 for principal and interest. Including property taxes of $436/month, the total monthly housing cost is approximately $4,113.
What income do I need to buy a home in San Dimas?
Using the 28% rule, you would need an annual income of approximately $176,271 to afford the median-priced home in San Dimas at $716,000. The median household income in San Dimas is $70,000. This means most households would need to either earn above the median or consider homes below $716,000.
Is San Dimas a good place to buy a home in 2026?
San Dimas has a higher cost of living than average with a cost of living index of 144 (national average = 100). The property tax rate in California is 0.73%, which is below the national average. San Dimas has a population of 34,980 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 San Dimas, California area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.