Mortgage Rates in Antioch, California — March 2026
Updated March 2026 | Based on Antioch market data and regional lending conditions
Antioch is a growing city in California with a population of 115,291. The current 30-year fixed mortgage rate in Antioch is 6.55%, which is 0.1% below the national average. With a median home price of $545,000 and a 20% down payment of $109,000, homebuyers can expect a monthly principal and interest payment of approximately $2,770.
Current Mortgage Rates in Antioch, CA
Below are the current average mortgage rates available in the Antioch 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 | 6.55% | 6.65% | -0.1% |
| 15-Year Fixed | 5.79% | 5.89% | -0.1% |
| 5/1 ARM | 6.05% | 6.15% | -0.1% |
| FHA | 6.15% | 6.25% | -0.1% |
| VA | 5.95% | 6.05% | -0.1% |
| Jumbo | 6.75% | 6.85% | -0.1% |
Antioch Housing Market Overview
The Antioch housing market is competitive with prices well above the national median. The median household income in Antioch is $78,250, and the cost of living index is 115.5 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $133,500 to comfortably afford the median-priced home in Antioch, which exceeds the current median household income.
Monthly Payment Breakdown for Antioch
Based on the median home price of $545,000 with 20% down ($109,000), here is what you can expect to pay monthly in Antioch:
15-Year vs. 30-Year Mortgage in Antioch
Choosing a 15-year mortgage in Antioch at 5.79% instead of a 30-year at 6.55% would save you $343,800 in total interest over the life of the loan. However, your monthly payment would be $3,630 instead of $2,770 — an increase of $860 per month.
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Open Free CalculatorFrequently Asked Questions About Mortgages in Antioch
What are the current mortgage rates in Antioch, CA?
As of March 2026, the average 30-year fixed mortgage rate in Antioch, California is 6.55%, while the 15-year fixed rate is 5.79%. FHA loans average 6.15% and VA loans 5.95%. These rates are 0.1% below the national average of 6.65%.
How much is a monthly mortgage payment in Antioch?
Based on the median home price of $545,000 with 20% down, the estimated monthly mortgage payment in Antioch is $2,770 for principal and interest. Including property taxes of $345/month, the total monthly housing cost is approximately $3,115.
What income do I need to buy a home in Antioch?
Using the 28% rule, you would need an annual income of approximately $133,500 to afford the median-priced home in Antioch at $545,000. The median household income in Antioch is $78,250. This means most households would need to either earn above the median or consider homes below $545,000.
Is Antioch a good place to buy a home in 2026?
Antioch has a moderate cost of living with a cost of living index of 115.5 (national average = 100). The property tax rate in California is 0.76%, which is below the national average. Antioch has a population of 115,291 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 Antioch, California area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.