Mortgage Rates in California — March 2026
Compare current mortgage rates across 264 cities in California. The average 30-year fixed rate is 6.7%, which is 0.05% above the national average of 6.65%.
California Housing Highlights
All 264 Cities in California
| City | 30-Yr Rate | Home Price | Monthly P&I | Population |
|---|---|---|---|---|
| Los Angeles | 6.55% | $925,000 | $4,702 | 3,979,576 |
| San Diego | 6.55% | $875,000 | $4,448 | 1,423,851 |
| San Jose | 6.55% | $1,350,000 | $6,862 | 1,013,240 |
| San Francisco | 6.55% | $1,250,000 | $6,354 | 873,965 |
| Fresno | 6.55% | $365,000 | $1,855 | 542,107 |
| Sacramento | 6.55% | $475,000 | $2,414 | 524,943 |
| Long Beach | 6.55% | $795,000 | $4,041 | 466,742 |
| Oakland | 6.55% | $825,000 | $4,193 | 433,031 |
| Bakersfield | 6.55% | $335,000 | $1,703 | 403,455 |
| Anaheim | 6.55% | $875,000 | $4,448 | 350,365 |
| Stockton | 6.55% | $435,000 | $2,211 | 320,804 |
| Riverside | 6.55% | $545,000 | $2,770 | 314,998 |
| Santa Ana | 6.55% | $785,000 | $3,990 | 309,441 |
| Irvine | 6.55% | $1,250,000 | $6,354 | 307,670 |
| Chula Vista | 6.55% | $735,000 | $3,736 | 275,487 |
| Fremont | 6.55% | $1,350,000 | $6,862 | 230,504 |
| Santa Clarita | 6.55% | $745,000 | $3,787 | 228,673 |
| San Bernardino | 6.55% | $395,000 | $2,008 | 222,101 |
| Modesto | 6.55% | $395,000 | $2,008 | 218,464 |
| Fontana | 6.55% | $525,000 | $2,669 | 214,547 |
| Moreno Valley | 6.55% | $495,000 | $2,516 | 212,477 |
| Oxnard | 6.55% | $695,000 | $3,533 | 202,063 |
| Huntington Beach | 6.55% | $1,050,000 | $5,337 | 198,711 |
| Glendale | 6.55% | $985,000 | $5,007 | 196,543 |
| Santa Rosa | 6.55% | $725,000 | $3,685 | 178,391 |
| Rancho Cucamonga | 6.55% | $645,000 | $3,278 | 177,603 |
| Oceanside | 6.55% | $735,000 | $3,736 | 176,218 |
| Elk Grove | 6.55% | $545,000 | $2,770 | 176,124 |
| Ontario | 6.55% | $555,000 | $2,821 | 175,265 |
| Lancaster | 6.55% | $395,000 | $2,008 | 173,516 |
| Garden Grove | 6.55% | $815,000 | $4,143 | 172,646 |
| Palmdale | 6.55% | $415,000 | $2,109 | 169,450 |
| Salinas | 6.78% | $620,000 | $3,227 | 163,542 |
| Hayward | 6.55% | $835,000 | $4,244 | 162,954 |
| Corona | 6.55% | $615,000 | $3,126 | 157,136 |
| Sunnyvale | 6.55% | $1,750,000 | $8,895 | 155,805 |
| Pomona | 6.55% | $555,000 | $2,821 | 151,713 |
| Escondido | 6.55% | $695,000 | $3,533 | 151,038 |
| Roseville | 6.55% | $545,000 | $2,770 | 147,773 |
| Torrance | 6.55% | $975,000 | $4,956 | 143,505 |
| Visalia | 6.55% | $345,000 | $1,754 | 141,384 |
| Orange | 6.81% | $860,000 | $4,490 | 139,911 |
| Fullerton | 6.87% | $830,000 | $4,360 | 139,254 |
| Pasadena | 6.55% | $1,050,000 | $5,337 | 138,699 |
| Victorville | 6.55% | $375,000 | $1,906 | 134,810 |
| Concord | 6.55% | $715,000 | $3,634 | 129,295 |
| Thousand Oaks | 6.71% | $765,000 | $3,953 | 126,398 |
| Simi Valley | 6.74% | $757,000 | $3,924 | 126,356 |
| Berkeley | 6.74% | $829,000 | $4,297 | 124,321 |
| Vallejo | 6.55% | $485,000 | $2,465 | 121,692 |
| East Los Angeles | 6.78% | $759,000 | $3,950 | 120,307 |
| Clovis | 6.55% | $425,000 | $2,160 | 120,124 |
| Richmond | 6.8% | $899,000 | $4,689 | 116,448 |
| Antioch | 6.55% | $545,000 | $2,770 | 115,291 |
| Carlsbad | 6.55% | $1,050,000 | $5,337 | 114,746 |
| Jurupa Valley | 6.86% | $833,000 | $4,371 | 113,860 |
| El Monte | 6.74% | $876,000 | $4,541 | 113,615 |
| Murrieta | 6.55% | $575,000 | $2,923 | 113,167 |
| Costa Mesa | 6.71% | $880,000 | $4,547 | 112,087 |
| Downey | 6.55% | $695,000 | $3,533 | 111,772 |
| Temecula | 6.55% | $595,000 | $3,024 | 110,003 |
| Santa Maria | 6.55% | $535,000 | $2,719 | 109,988 |
| Ventura | 6.55% | $755,000 | $3,838 | 109,106 |
| Inglewood | 6.74% | $815,000 | $4,225 | 107,762 |
| Burbank | 6.8% | $815,000 | $4,251 | 107,337 |
| El Cajon | 6.55% | $625,000 | $3,177 | 106,215 |
| West Covina | 6.55% | $695,000 | $3,533 | 106,098 |
| San Mateo | 6.55% | $1,450,000 | $7,370 | 105,661 |
| Norwalk | 6.55% | $645,000 | $3,278 | 105,549 |
| Vacaville | 6.84% | $859,000 | $4,498 | 105,130 |
| Daly City | 6.55% | $1,050,000 | $5,337 | 104,901 |
| Rialto | 6.83% | $848,000 | $4,436 | 104,026 |
| Menifee | 6.55% | $495,000 | $2,516 | 102,527 |
| Vista | 6.68% | $804,000 | $4,142 | 101,568 |
| Chico | 6.55% | $385,000 | $1,957 | 101,475 |
| Hesperia | 6.82% | $680,000 | $3,554 | 99,818 |
| San Marcos | 6.68% | $842,000 | $4,338 | 97,919 |
| Compton | 6.89% | $684,000 | $3,600 | 97,877 |
| Carson | 6.85% | $755,000 | $3,958 | 95,374 |
| Mission Viejo | 6.79% | $843,000 | $4,392 | 95,290 |
| South Gate | 6.55% | $595,000 | $3,024 | 94,396 |
| Santa Monica | 6.75% | $798,000 | $4,141 | 93,076 |
| Tracy | 6.61% | $736,000 | $3,764 | 93,000 |
| Redding | 6.55% | $365,000 | $1,855 | 92,590 |
| Indio | 6.55% | $395,000 | $2,008 | 92,539 |
| San Leandro | 6.55% | $775,000 | $3,939 | 91,498 |
| Westminster | 6.61% | $755,000 | $3,861 | 91,137 |
| Hemet | 6.64% | $774,000 | $3,971 | 90,540 |
| Livermore | 6.86% | $722,000 | $3,789 | 90,189 |
| Santa Barbara | 6.71% | $686,000 | $3,545 | 88,665 |
| Hawthorne | 6.89% | $683,000 | $3,595 | 88,083 |
| Citrus Heights | 6.66% | $673,000 | $3,460 | 87,583 |
| Whittier | 6.64% | $692,000 | $3,550 | 87,306 |
| Lake Forest | 6.55% | $895,000 | $4,549 | 85,858 |
| San Ramon | 6.85% | $670,000 | $3,512 | 84,605 |
| Manteca | 6.55% | $535,000 | $2,719 | 84,375 |
| Redwood City | 6.74% | $736,000 | $3,815 | 84,292 |
| Merced | 6.71% | $813,000 | $4,201 | 83,982 |
| Buena Park | 6.88% | $671,000 | $3,528 | 82,882 |
| Alhambra | 6.62% | $813,000 | $4,162 | 82,868 |
| Folsom | 6.72% | $754,000 | $3,900 | 82,590 |
| Mountain View | 6.69% | $682,000 | $3,517 | 82,376 |
| Milpitas | 6.84% | $847,000 | $4,436 | 80,430 |
| Tustin | 6.7% | $813,000 | $4,197 | 80,276 |
| Lakewood | 6.62% | $774,000 | $3,963 | 80,048 |
| Pleasanton | 6.65% | $697,000 | $3,580 | 79,975 |
| Rancho Cordova | 6.84% | $688,000 | $3,603 | 79,890 |
| Upland | 6.9% | $785,000 | $4,136 | 79,694 |
| Bellflower | 6.88% | $749,000 | $3,938 | 79,266 |
| Alameda | 6.77% | $697,000 | $3,624 | 79,177 |
| Napa | 6.55% | $795,000 | $4,041 | 79,068 |
| Perris | 6.8% | $759,000 | $3,958 | 78,013 |
| Baldwin Park | 6.63% | $771,000 | $3,951 | 76,322 |
| Apple Valley | 6.61% | $831,000 | $4,250 | 75,791 |
| Turlock | 6.76% | $808,000 | $4,197 | 75,034 |
| Pittsburg | 6.7% | $684,000 | $3,531 | 75,024 |
| Redlands | 6.68% | $710,000 | $3,658 | 73,168 |
| Lake Elsinore | 6.67% | $845,000 | $4,349 | 72,739 |
| Camarillo | 6.8% | $778,000 | $4,058 | 70,741 |
| Walnut Creek | 6.86% | $796,000 | $4,177 | 70,127 |
| Yuba City | 6.71% | $766,000 | $3,958 | 70,117 |
| Rocklin | 6.87% | $683,000 | $3,588 | 70,082 |
| Lynwood | 6.81% | $748,000 | $3,905 | 69,772 |
| Eastvale | 6.83% | $712,000 | $3,725 | 69,757 |
| Brentwood | 6.41% | $620,000 | $3,104 | 68,984 |
| Yorba Linda | 6.78% | $721,000 | $3,753 | 68,706 |
| Davis | 6.65% | $851,000 | $4,370 | 68,640 |
| Palo Alto | 6.87% | $677,000 | $3,556 | 68,572 |
| Tulare | 6.64% | $754,000 | $3,868 | 67,834 |
| South San Francisco | 6.7% | $851,000 | $4,393 | 67,789 |
| Redondo Beach | 6.75% | $814,000 | $4,224 | 67,412 |
| Lodi | 6.65% | $827,000 | $4,247 | 67,021 |
| Madera | 6.63% | $675,000 | $3,459 | 65,791 |
| Santa Cruz | 6.67% | $684,000 | $3,520 | 64,608 |
| San Clemente | 6.82% | $778,000 | $4,066 | 64,581 |
| Laguna Niguel | 6.69% | $724,000 | $3,734 | 64,452 |
| Dublin | 6.68% | $760,000 | $3,915 | 63,856 |
| Pico Rivera | 6.65% | $699,000 | $3,590 | 63,522 |
| Encinitas | 6.84% | $800,000 | $4,189 | 63,299 |
| La Habra | 6.89% | $687,000 | $3,616 | 62,850 |
| Montebello | 6.7% | $832,000 | $4,295 | 62,640 |
| Woodland | 6.64% | $675,000 | $3,463 | 62,553 |
| Porterville | 6.87% | $686,000 | $3,603 | 62,082 |
| National City | 6.77% | $732,000 | $3,806 | 61,394 |
| San Rafael | 6.83% | $848,000 | $4,436 | 61,383 |
| La Mesa | 6.83% | $742,000 | $3,882 | 60,907 |
| Petaluma | 6.81% | $708,000 | $3,696 | 60,776 |
| Monterey Park | 6.68% | $842,000 | $4,338 | 60,269 |
| Cupertino | 6.66% | $680,000 | $3,496 | 60,170 |
| Santee | 6.68% | $755,000 | $3,889 | 60,037 |
| Gilroy | 6.85% | $846,000 | $4,435 | 59,520 |
| Hanford | 6.72% | $695,000 | $3,595 | 57,990 |
| Arcadia | 6.74% | $697,000 | $3,613 | 57,939 |
| Huntington Park | 6.76% | $731,000 | $3,797 | 57,509 |
| Highland | 6.64% | $739,000 | $3,791 | 56,533 |
| Diamond Bar | 6.67% | $816,000 | $4,199 | 55,544 |
| Cathedral City | 6.86% | $737,000 | $3,867 | 54,830 |
| Colton | 6.67% | $721,000 | $3,710 | 54,824 |
| Beaumont | 6.61% | $849,000 | $4,342 | 54,706 |
| Yucaipa | 6.61% | $712,000 | $3,642 | 54,542 |
| Paramount | 6.72% | $748,000 | $3,869 | 54,098 |
| West Sacramento | 6.63% | $695,000 | $3,562 | 53,915 |
| San Jacinto | 6.74% | $778,000 | $4,033 | 53,484 |
| Palm Desert | 6.88% | $741,000 | $3,896 | 53,275 |
| Novato | 6.73% | $748,000 | $3,873 | 53,225 |
| Delano | 6.68% | $831,000 | $4,281 | 53,041 |
| Rosemead | 6.75% | $750,000 | $3,892 | 53,020 |
| Watsonville | 6.87% | $832,000 | $4,370 | 52,590 |
| Glendora | 6.78% | $811,000 | $4,221 | 52,558 |
| Placentia | 6.63% | $730,000 | $3,741 | 52,206 |
| Azusa | 6.63% | $741,000 | $3,798 | 49,974 |
| Cerritos | 6.87% | $777,000 | $4,081 | 49,859 |
| Cypress | 6.81% | $720,000 | $3,759 | 49,833 |
| Ceres | 6.66% | $744,000 | $3,825 | 49,702 |
| Poway | 6.89% | $753,000 | $3,963 | 49,670 |
| Rancho Santa Margarita | 6.79% | $780,000 | $4,064 | 48,960 |
| Palm Springs | 6.81% | $720,000 | $3,759 | 48,518 |
| Newark | 6.81% | $671,000 | $3,503 | 48,148 |
| La Mirada | 6.68% | $754,000 | $3,884 | 48,008 |
| San Luis Obispo | 6.71% | $660,000 | $3,411 | 47,339 |
| Brea | 6.72% | $747,000 | $3,864 | 47,325 |
| Morgan Hill | 6.76% | $767,000 | $3,984 | 46,654 |
| Coachella | 6.79% | $765,000 | $3,986 | 45,710 |
| El Centro | 6.74% | $777,000 | $4,028 | 44,775 |
| San Bruno | 6.71% | $760,000 | $3,927 | 44,663 |
| Oakley | 6.87% | $774,000 | $4,066 | 44,138 |
| Los Banos | 6.82% | $782,000 | $4,087 | 43,783 |
| Lompoc | 6.78% | $628,000 | $3,269 | 43,232 |
| Campbell | 6.75% | $652,000 | $3,383 | 42,584 |
| Rohnert Park | 6.84% | $648,000 | $3,393 | 42,236 |
| Bell Gardens | 6.74% | $762,000 | $3,950 | 42,155 |
| Hollister | 6.67% | $626,000 | $3,222 | 42,147 |
| La Quinta | 6.88% | $635,000 | $3,339 | 41,748 |
| Rancho Palos Verdes | 6.89% | $765,000 | $4,027 | 41,635 |
| Montclair | 6.87% | $638,000 | $3,351 | 40,083 |
| San Gabriel | 6.67% | $794,000 | $4,086 | 39,718 |
| Stanton | 6.77% | $793,000 | $4,123 | 38,623 |
| Martinez | 6.87% | $709,000 | $3,724 | 38,018 |
| Wildomar | 6.84% | $683,000 | $3,577 | 36,875 |
| Monrovia | 6.63% | $629,000 | $3,224 | 36,753 |
| Claremont | 6.67% | $767,000 | $3,947 | 36,266 |
| Temple City | 6.72% | $744,000 | $3,849 | 36,037 |
| West Hollywood | 6.72% | $719,000 | $3,719 | 35,716 |
| Bell | 6.84% | $795,000 | $4,163 | 35,477 |
| Menlo Park | 6.67% | $2,900,000 | $14,928 | 35,254 |
| Manhattan Beach | 6.63% | $783,000 | $4,013 | 35,135 |
| San Dimas | 6.65% | $716,000 | $3,677 | 34,980 |
| Pleasant Hill | 6.63% | $663,000 | $3,398 | 34,903 |
| Seaside | 6.77% | $689,000 | $3,582 | 33,946 |
| Foster City | 6.83% | $781,000 | $4,086 | 33,901 |
| Los Gatos | 6.78% | $2,400,000 | $12,488 | 33,529 |
| Beverly Hills | 6.69% | $639,000 | $3,295 | 32,701 |
| Desert Hot Springs | 6.71% | $659,000 | $3,405 | 32,512 |
| La Verne | 6.65% | $628,000 | $3,225 | 32,193 |
| San Pablo | 6.79% | $740,000 | $3,855 | 31,600 |
| Saratoga | 6.63% | $3,500,000 | $17,942 | 31,051 |
| Los Altos | 6.75% | $738,000 | $3,829 | 30,787 |
| Burlingame | 6.82% | $780,000 | $4,076 | 30,576 |
| San Carlos | 6.66% | $686,000 | $3,527 | 30,215 |
| Monterey | 6.62% | $720,000 | $3,686 | 30,058 |
| East Palo Alto | 6.88% | $770,000 | $4,049 | 29,765 |
| Walnut | 6.66% | $759,000 | $3,902 | 29,685 |
| Suisun City | 6.86% | $686,000 | $3,600 | 29,541 |
| Ridgecrest | 6.78% | $673,000 | $3,503 | 28,780 |
| Benicia | 6.77% | $661,000 | $3,437 | 28,158 |
| Twentynine Palms | 6.64% | $701,000 | $3,596 | 28,065 |
| Brawley | 6.7% | $630,000 | $3,252 | 27,845 |
| Lemon Grove | 6.65% | $764,000 | $3,924 | 27,625 |
| Wasco | 6.85% | $685,000 | $3,591 | 27,553 |
| Imperial Beach | 6.87% | $791,000 | $4,155 | 27,320 |
| Eureka | 6.4% | $345,000 | $1,726 | 27,177 |
| Lathrop | 6.61% | $644,000 | $3,294 | 26,998 |
| Paradise | 6.9% | $646,000 | $3,404 | 26,218 |
| Hercules | 6.61% | $688,000 | $3,519 | 26,090 |
| Soledad | 6.86% | $656,000 | $3,442 | 25,738 |
| El Cerrito | 6.69% | $657,000 | $3,388 | 25,523 |
| San Fernando | 6.87% | $707,000 | $3,714 | 24,476 |
| Patterson | 6.89% | $641,000 | $3,374 | 24,370 |
| Dinuba | 6.74% | $682,000 | $3,535 | 24,280 |
| Corcoran | 6.73% | $705,000 | $3,651 | 22,165 |
| Shafter | 6.86% | $616,000 | $3,232 | 21,401 |
| Imperial | 6.84% | $639,000 | $3,346 | 20,580 |
| Oroville | 6.77% | $631,000 | $3,281 | 19,313 |
| Greenfield | 6.71% | $613,000 | $3,168 | 19,110 |
| Pinole | 6.67% | $723,000 | $3,721 | 19,039 |
| Rancho Mirage | 6.78% | $641,000 | $3,336 | 18,528 |
| Ripon | 6.89% | $694,000 | $3,653 | 16,434 |
| Ukiah | 6.35% | $440,000 | $2,189 | 16,265 |
| Kerman | 6.67% | $681,000 | $3,505 | 16,178 |
| McFarland | 6.85% | $594,000 | $3,114 | 15,817 |
| La Palma | 6.87% | $630,000 | $3,309 | 15,568 |
| Mill Valley | 6.66% | $708,000 | $3,640 | 14,855 |
| Hawaiian Gardens | 6.63% | $597,000 | $3,060 | 14,254 |
| King City | 6.63% | $688,000 | $3,526 | 14,011 |
| Lindsay | 6.8% | $682,000 | $3,557 | 13,649 |
| San Anselmo | 6.73% | $699,000 | $3,620 | 12,753 |
| Half Moon Bay | 6.67% | $724,000 | $3,726 | 12,534 |
| Scotts Valley | 6.88% | $663,000 | $3,486 | 12,240 |
| Farmersville | 6.69% | $651,000 | $3,357 | 11,262 |
| Exeter | 6.83% | $590,000 | $3,087 | 11,122 |
| Canyon Lake | 6.6% | $741,000 | $3,786 | 11,082 |
| Madera Acres | 6.69% | $639,000 | $3,295 | 10,270 |
| Calimesa | 6.68% | $596,000 | $3,070 | 10,085 |
| Tiburon | 6.69% | $619,000 | $3,192 | 9,234 |
California Mortgage Rates Guide — 2026
California homebuyers currently see an average 30-year fixed mortgage rate of 6.7%, with median home prices around $749,515. At these rates, the typical monthly mortgage payment (principal and interest with 20% down) is $3,868.
The most affordable city for homebuyers in California is Bakersfield, where the median home price is $335,000. On the other end, Saratoga has the highest prices at $3,500,000. Property tax rates across the state average 0.76%.
To comfortably afford a home at the state average price, a household income of approximately $165,771 is recommended, following the standard guideline that housing costs should not exceed 28% of gross income.
Use our free loan calculator to see your exact monthly payments and amortization schedule, or browse individual city pages below for localized rate data and market insights.
Frequently Asked Questions — California Mortgages
What are current mortgage rates in California?
As of March 2026, the average 30-year fixed mortgage rate in California is 6.7% and the 15-year fixed rate averages 5.94%. Rates vary by city, lender, and borrower qualification.
What is the average home price in California?
The median home price across 264 cities in California is $749,515. Prices range from $335,000 in Bakersfield to $3,500,000 in Saratoga.
How much income do I need to buy a house in California?
Based on the 28% debt-to-income guideline, you would need a household income of approximately $165,771 to comfortably afford the average home in California. The median household income in the state is approximately $76,809.
California Mortgage Rates by ZIP Code
Explore mortgage rates for specific ZIP codes in California. Rates can vary by neighborhood based on local property values and lending conditions.
Browse Mortgage Rates by State
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