Mortgage Rates in CaliforniaMarch 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%.

6.7%
Avg 30-Year Fixed
5.94%
Avg 15-Year Fixed
$749,515
Avg Home Price
$3,868/mo
Avg Monthly Payment

California Housing Highlights

Most Affordable City
Bakersfield
$335,000 median | $1,703/mo
Lowest Home Price
Bakersfield
$335,000 median
Highest Home Price
Saratoga
$3,500,000 median

All 264 Cities in California

City30-Yr RateHome PriceMonthly P&IPopulation
Los Angeles6.55%$925,000$4,7023,979,576
San Diego6.55%$875,000$4,4481,423,851
San Jose6.55%$1,350,000$6,8621,013,240
San Francisco6.55%$1,250,000$6,354873,965
Fresno6.55%$365,000$1,855542,107
Sacramento6.55%$475,000$2,414524,943
Long Beach6.55%$795,000$4,041466,742
Oakland6.55%$825,000$4,193433,031
Bakersfield6.55%$335,000$1,703403,455
Anaheim6.55%$875,000$4,448350,365
Stockton6.55%$435,000$2,211320,804
Riverside6.55%$545,000$2,770314,998
Santa Ana6.55%$785,000$3,990309,441
Irvine6.55%$1,250,000$6,354307,670
Chula Vista6.55%$735,000$3,736275,487
Fremont6.55%$1,350,000$6,862230,504
Santa Clarita6.55%$745,000$3,787228,673
San Bernardino6.55%$395,000$2,008222,101
Modesto6.55%$395,000$2,008218,464
Fontana6.55%$525,000$2,669214,547
Moreno Valley6.55%$495,000$2,516212,477
Oxnard6.55%$695,000$3,533202,063
Huntington Beach6.55%$1,050,000$5,337198,711
Glendale6.55%$985,000$5,007196,543
Santa Rosa6.55%$725,000$3,685178,391
Rancho Cucamonga6.55%$645,000$3,278177,603
Oceanside6.55%$735,000$3,736176,218
Elk Grove6.55%$545,000$2,770176,124
Ontario6.55%$555,000$2,821175,265
Lancaster6.55%$395,000$2,008173,516
Garden Grove6.55%$815,000$4,143172,646
Palmdale6.55%$415,000$2,109169,450
Salinas6.78%$620,000$3,227163,542
Hayward6.55%$835,000$4,244162,954
Corona6.55%$615,000$3,126157,136
Sunnyvale6.55%$1,750,000$8,895155,805
Pomona6.55%$555,000$2,821151,713
Escondido6.55%$695,000$3,533151,038
Roseville6.55%$545,000$2,770147,773
Torrance6.55%$975,000$4,956143,505
Visalia6.55%$345,000$1,754141,384
Orange6.81%$860,000$4,490139,911
Fullerton6.87%$830,000$4,360139,254
Pasadena6.55%$1,050,000$5,337138,699
Victorville6.55%$375,000$1,906134,810
Concord6.55%$715,000$3,634129,295
Thousand Oaks6.71%$765,000$3,953126,398
Simi Valley6.74%$757,000$3,924126,356
Berkeley6.74%$829,000$4,297124,321
Vallejo6.55%$485,000$2,465121,692
East Los Angeles6.78%$759,000$3,950120,307
Clovis6.55%$425,000$2,160120,124
Richmond6.8%$899,000$4,689116,448
Antioch6.55%$545,000$2,770115,291
Carlsbad6.55%$1,050,000$5,337114,746
Jurupa Valley6.86%$833,000$4,371113,860
El Monte6.74%$876,000$4,541113,615
Murrieta6.55%$575,000$2,923113,167
Costa Mesa6.71%$880,000$4,547112,087
Downey6.55%$695,000$3,533111,772
Temecula6.55%$595,000$3,024110,003
Santa Maria6.55%$535,000$2,719109,988
Ventura6.55%$755,000$3,838109,106
Inglewood6.74%$815,000$4,225107,762
Burbank6.8%$815,000$4,251107,337
El Cajon6.55%$625,000$3,177106,215
West Covina6.55%$695,000$3,533106,098
San Mateo6.55%$1,450,000$7,370105,661
Norwalk6.55%$645,000$3,278105,549
Vacaville6.84%$859,000$4,498105,130
Daly City6.55%$1,050,000$5,337104,901
Rialto6.83%$848,000$4,436104,026
Menifee6.55%$495,000$2,516102,527
Vista6.68%$804,000$4,142101,568
Chico6.55%$385,000$1,957101,475
Hesperia6.82%$680,000$3,55499,818
San Marcos6.68%$842,000$4,33897,919
Compton6.89%$684,000$3,60097,877
Carson6.85%$755,000$3,95895,374
Mission Viejo6.79%$843,000$4,39295,290
South Gate6.55%$595,000$3,02494,396
Santa Monica6.75%$798,000$4,14193,076
Tracy6.61%$736,000$3,76493,000
Redding6.55%$365,000$1,85592,590
Indio6.55%$395,000$2,00892,539
San Leandro6.55%$775,000$3,93991,498
Westminster6.61%$755,000$3,86191,137
Hemet6.64%$774,000$3,97190,540
Livermore6.86%$722,000$3,78990,189
Santa Barbara6.71%$686,000$3,54588,665
Hawthorne6.89%$683,000$3,59588,083
Citrus Heights6.66%$673,000$3,46087,583
Whittier6.64%$692,000$3,55087,306
Lake Forest6.55%$895,000$4,54985,858
San Ramon6.85%$670,000$3,51284,605
Manteca6.55%$535,000$2,71984,375
Redwood City6.74%$736,000$3,81584,292
Merced6.71%$813,000$4,20183,982
Buena Park6.88%$671,000$3,52882,882
Alhambra6.62%$813,000$4,16282,868
Folsom6.72%$754,000$3,90082,590
Mountain View6.69%$682,000$3,51782,376
Milpitas6.84%$847,000$4,43680,430
Tustin6.7%$813,000$4,19780,276
Lakewood6.62%$774,000$3,96380,048
Pleasanton6.65%$697,000$3,58079,975
Rancho Cordova6.84%$688,000$3,60379,890
Upland6.9%$785,000$4,13679,694
Bellflower6.88%$749,000$3,93879,266
Alameda6.77%$697,000$3,62479,177
Napa6.55%$795,000$4,04179,068
Perris6.8%$759,000$3,95878,013
Baldwin Park6.63%$771,000$3,95176,322
Apple Valley6.61%$831,000$4,25075,791
Turlock6.76%$808,000$4,19775,034
Pittsburg6.7%$684,000$3,53175,024
Redlands6.68%$710,000$3,65873,168
Lake Elsinore6.67%$845,000$4,34972,739
Camarillo6.8%$778,000$4,05870,741
Walnut Creek6.86%$796,000$4,17770,127
Yuba City6.71%$766,000$3,95870,117
Rocklin6.87%$683,000$3,58870,082
Lynwood6.81%$748,000$3,90569,772
Eastvale6.83%$712,000$3,72569,757
Brentwood6.41%$620,000$3,10468,984
Yorba Linda6.78%$721,000$3,75368,706
Davis6.65%$851,000$4,37068,640
Palo Alto6.87%$677,000$3,55668,572
Tulare6.64%$754,000$3,86867,834
South San Francisco6.7%$851,000$4,39367,789
Redondo Beach6.75%$814,000$4,22467,412
Lodi6.65%$827,000$4,24767,021
Madera6.63%$675,000$3,45965,791
Santa Cruz6.67%$684,000$3,52064,608
San Clemente6.82%$778,000$4,06664,581
Laguna Niguel6.69%$724,000$3,73464,452
Dublin6.68%$760,000$3,91563,856
Pico Rivera6.65%$699,000$3,59063,522
Encinitas6.84%$800,000$4,18963,299
La Habra6.89%$687,000$3,61662,850
Montebello6.7%$832,000$4,29562,640
Woodland6.64%$675,000$3,46362,553
Porterville6.87%$686,000$3,60362,082
National City6.77%$732,000$3,80661,394
San Rafael6.83%$848,000$4,43661,383
La Mesa6.83%$742,000$3,88260,907
Petaluma6.81%$708,000$3,69660,776
Monterey Park6.68%$842,000$4,33860,269
Cupertino6.66%$680,000$3,49660,170
Santee6.68%$755,000$3,88960,037
Gilroy6.85%$846,000$4,43559,520
Hanford6.72%$695,000$3,59557,990
Arcadia6.74%$697,000$3,61357,939
Huntington Park6.76%$731,000$3,79757,509
Highland6.64%$739,000$3,79156,533
Diamond Bar6.67%$816,000$4,19955,544
Cathedral City6.86%$737,000$3,86754,830
Colton6.67%$721,000$3,71054,824
Beaumont6.61%$849,000$4,34254,706
Yucaipa6.61%$712,000$3,64254,542
Paramount6.72%$748,000$3,86954,098
West Sacramento6.63%$695,000$3,56253,915
San Jacinto6.74%$778,000$4,03353,484
Palm Desert6.88%$741,000$3,89653,275
Novato6.73%$748,000$3,87353,225
Delano6.68%$831,000$4,28153,041
Rosemead6.75%$750,000$3,89253,020
Watsonville6.87%$832,000$4,37052,590
Glendora6.78%$811,000$4,22152,558
Placentia6.63%$730,000$3,74152,206
Azusa6.63%$741,000$3,79849,974
Cerritos6.87%$777,000$4,08149,859
Cypress6.81%$720,000$3,75949,833
Ceres6.66%$744,000$3,82549,702
Poway6.89%$753,000$3,96349,670
Rancho Santa Margarita6.79%$780,000$4,06448,960
Palm Springs6.81%$720,000$3,75948,518
Newark6.81%$671,000$3,50348,148
La Mirada6.68%$754,000$3,88448,008
San Luis Obispo6.71%$660,000$3,41147,339
Brea6.72%$747,000$3,86447,325
Morgan Hill6.76%$767,000$3,98446,654
Coachella6.79%$765,000$3,98645,710
El Centro6.74%$777,000$4,02844,775
San Bruno6.71%$760,000$3,92744,663
Oakley6.87%$774,000$4,06644,138
Los Banos6.82%$782,000$4,08743,783
Lompoc6.78%$628,000$3,26943,232
Campbell6.75%$652,000$3,38342,584
Rohnert Park6.84%$648,000$3,39342,236
Bell Gardens6.74%$762,000$3,95042,155
Hollister6.67%$626,000$3,22242,147
La Quinta6.88%$635,000$3,33941,748
Rancho Palos Verdes6.89%$765,000$4,02741,635
Montclair6.87%$638,000$3,35140,083
San Gabriel6.67%$794,000$4,08639,718
Stanton6.77%$793,000$4,12338,623
Martinez6.87%$709,000$3,72438,018
Wildomar6.84%$683,000$3,57736,875
Monrovia6.63%$629,000$3,22436,753
Claremont6.67%$767,000$3,94736,266
Temple City6.72%$744,000$3,84936,037
West Hollywood6.72%$719,000$3,71935,716
Bell6.84%$795,000$4,16335,477
Menlo Park6.67%$2,900,000$14,92835,254
Manhattan Beach6.63%$783,000$4,01335,135
San Dimas6.65%$716,000$3,67734,980
Pleasant Hill6.63%$663,000$3,39834,903
Seaside6.77%$689,000$3,58233,946
Foster City6.83%$781,000$4,08633,901
Los Gatos6.78%$2,400,000$12,48833,529
Beverly Hills6.69%$639,000$3,29532,701
Desert Hot Springs6.71%$659,000$3,40532,512
La Verne6.65%$628,000$3,22532,193
San Pablo6.79%$740,000$3,85531,600
Saratoga6.63%$3,500,000$17,94231,051
Los Altos6.75%$738,000$3,82930,787
Burlingame6.82%$780,000$4,07630,576
San Carlos6.66%$686,000$3,52730,215
Monterey6.62%$720,000$3,68630,058
East Palo Alto6.88%$770,000$4,04929,765
Walnut6.66%$759,000$3,90229,685
Suisun City6.86%$686,000$3,60029,541
Ridgecrest6.78%$673,000$3,50328,780
Benicia6.77%$661,000$3,43728,158
Twentynine Palms6.64%$701,000$3,59628,065
Brawley6.7%$630,000$3,25227,845
Lemon Grove6.65%$764,000$3,92427,625
Wasco6.85%$685,000$3,59127,553
Imperial Beach6.87%$791,000$4,15527,320
Eureka6.4%$345,000$1,72627,177
Lathrop6.61%$644,000$3,29426,998
Paradise6.9%$646,000$3,40426,218
Hercules6.61%$688,000$3,51926,090
Soledad6.86%$656,000$3,44225,738
El Cerrito6.69%$657,000$3,38825,523
San Fernando6.87%$707,000$3,71424,476
Patterson6.89%$641,000$3,37424,370
Dinuba6.74%$682,000$3,53524,280
Corcoran6.73%$705,000$3,65122,165
Shafter6.86%$616,000$3,23221,401
Imperial6.84%$639,000$3,34620,580
Oroville6.77%$631,000$3,28119,313
Greenfield6.71%$613,000$3,16819,110
Pinole6.67%$723,000$3,72119,039
Rancho Mirage6.78%$641,000$3,33618,528
Ripon6.89%$694,000$3,65316,434
Ukiah6.35%$440,000$2,18916,265
Kerman6.67%$681,000$3,50516,178
McFarland6.85%$594,000$3,11415,817
La Palma6.87%$630,000$3,30915,568
Mill Valley6.66%$708,000$3,64014,855
Hawaiian Gardens6.63%$597,000$3,06014,254
King City6.63%$688,000$3,52614,011
Lindsay6.8%$682,000$3,55713,649
San Anselmo6.73%$699,000$3,62012,753
Half Moon Bay6.67%$724,000$3,72612,534
Scotts Valley6.88%$663,000$3,48612,240
Farmersville6.69%$651,000$3,35711,262
Exeter6.83%$590,000$3,08711,122
Canyon Lake6.6%$741,000$3,78611,082
Madera Acres6.69%$639,000$3,29510,270
Calimesa6.68%$596,000$3,07010,085
Tiburon6.69%$619,000$3,1929,234

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.

ZIP 90056
Los Angeles | 6.45% | $969,314
ZIP 90017
Los Angeles | 6.56% | $882,846
ZIP 90009
Los Angeles | 6.46% | $949,636
ZIP 90037
Los Angeles | 6.61% | $909,312
ZIP 90052
Los Angeles | 6.62% | $884,617
ZIP 90030
Los Angeles | 6.52% | $940,029
ZIP 90022
Los Angeles | 6.57% | $915,155
ZIP 90016
Los Angeles | 6.54% | $921,894
ZIP 90014
Los Angeles | 6.52% | $884,186
ZIP 90010
Los Angeles | 6.62% | $931,878
ZIP 90006
Los Angeles | 6.52% | $951,021
ZIP 90031
Los Angeles | 6.64% | $900,646
ZIP 90003
Los Angeles | 6.63% | $965,857
ZIP 90049
Los Angeles | 6.53% | $945,059
ZIP 90054
Los Angeles | 6.54% | $916,386
ZIP 90012
Los Angeles | 6.58% | $908,335
ZIP 90046
Los Angeles | 6.49% | $948,069
ZIP 90047
Los Angeles | 6.61% | $904,693
ZIP 92105
San Diego | 6.45% | $863,932
ZIP 90023
Los Angeles | 6.51% | $915,827
ZIP 90040
Los Angeles | 6.6% | $905,435
ZIP 92115
San Diego | 6.46% | $898,663
ZIP 90004
Los Angeles | 6.52% | $963,049
ZIP 95111
San Jose | 6.55% | $1,286,261
ZIP 90034
Los Angeles | 6.58% | $927,381
ZIP 90026
Los Angeles | 6.58% | $951,190
ZIP 90805
Long Beach | 6.57% | $793,692

Browse Mortgage Rates by State

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