Mortgage Rates in Stanton, California — March 2026
Updated March 2026 | Based on Stanton market data and regional lending conditions
Stanton is a growing city in California with a population of 38,623. The current 30-year fixed mortgage rate in Stanton is 6.77%, which is 0.12% above the national average. With a median home price of $793,000 and a 20% down payment of $158,600, homebuyers can expect a monthly principal and interest payment of approximately $4,123.
Current Mortgage Rates in Stanton, CA
Below are the current average mortgage rates available in the Stanton 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 | 6.77% | 6.65% | +0.12% |
| 15-Year Fixed | 6% | 5.89% | +0.11% |
| 5/1 ARM | 6.26% | 6.15% | +0.11% |
| FHA | 6.51% | 6.25% | +0.26% |
| VA | 6.26% | 6.05% | +0.21% |
| Jumbo | 7.02% | 6.85% | +0.17% |
Stanton Housing Market Overview
The Stanton housing market is competitive with prices well above the national median. The median household income in Stanton is $76,100, and the cost of living index is 138.5 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $199,071 to comfortably afford the median-priced home in Stanton, which exceeds the current median household income.
Monthly Payment Breakdown for Stanton
Based on the median home price of $793,000 with 20% down ($158,600), here is what you can expect to pay monthly in Stanton:
15-Year vs. 30-Year Mortgage in Stanton
Choosing a 15-year mortgage in Stanton at 6% instead of a 30-year at 6.77% would save you $520,740 in total interest over the life of the loan. However, your monthly payment would be $5,353 instead of $4,123 — an increase of $1,230 per month.
Calculate Your Stanton 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 Stanton
What are the current mortgage rates in Stanton, CA?
As of March 2026, the average 30-year fixed mortgage rate in Stanton, California is 6.77%, while the 15-year fixed rate is 6%. FHA loans average 6.51% and VA loans 6.26%. These rates are 0.12% above the national average of 6.65%.
How much is a monthly mortgage payment in Stanton?
Based on the median home price of $793,000 with 20% down, the estimated monthly mortgage payment in Stanton is $4,123 for principal and interest. Including property taxes of $522/month, the total monthly housing cost is approximately $4,645.
What income do I need to buy a home in Stanton?
Using the 28% rule, you would need an annual income of approximately $199,071 to afford the median-priced home in Stanton at $793,000. The median household income in Stanton is $76,100. This means most households would need to either earn above the median or consider homes below $793,000.
Is Stanton a good place to buy a home in 2026?
Stanton has a higher cost of living than average with a cost of living index of 138.5 (national average = 100). The property tax rate in California is 0.79%, which is below the national average. Stanton has a population of 38,623 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 Stanton, California area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.