Mortgage Rates in Apple Valley, California — March 2026
Updated March 2026 | Based on Apple Valley market data and regional lending conditions
Apple Valley is a growing city in California with a population of 75,791. The current 30-year fixed mortgage rate in Apple Valley is 6.61%, which is 0.04% below the national average. With a median home price of $831,000 and a 20% down payment of $166,200, homebuyers can expect a monthly principal and interest payment of approximately $4,250.
Current Mortgage Rates in Apple Valley, CA
Below are the current average mortgage rates available in the Apple Valley 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 | 6.61% | 6.65% | -0.04% |
| 15-Year Fixed | 5.87% | 5.89% | -0.02% |
| 5/1 ARM | 6.16% | 6.15% | +0.01% |
| FHA | 6.43% | 6.25% | +0.18% |
| VA | 6.18% | 6.05% | +0.13% |
| Jumbo | 6.86% | 6.85% | +0.01% |
Apple Valley Housing Market Overview
The Apple Valley housing market is competitive with prices well above the national median. The median household income in Apple Valley is $78,700, and the cost of living index is 141.6 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $205,886 to comfortably afford the median-priced home in Apple Valley, which exceeds the current median household income.
Monthly Payment Breakdown for Apple Valley
Based on the median home price of $831,000 with 20% down ($166,200), here is what you can expect to pay monthly in Apple Valley:
15-Year vs. 30-Year Mortgage in Apple Valley
Choosing a 15-year mortgage in Apple Valley at 5.87% instead of a 30-year at 6.61% would save you $528,660 in total interest over the life of the loan. However, your monthly payment would be $5,563 instead of $4,250 — an increase of $1,313 per month.
Calculate Your Apple Valley 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 Apple Valley
What are the current mortgage rates in Apple Valley, CA?
As of March 2026, the average 30-year fixed mortgage rate in Apple Valley, California is 6.61%, while the 15-year fixed rate is 5.87%. FHA loans average 6.43% and VA loans 6.18%. These rates are 0.04% below the national average of 6.65%.
How much is a monthly mortgage payment in Apple Valley?
Based on the median home price of $831,000 with 20% down, the estimated monthly mortgage payment in Apple Valley is $4,250 for principal and interest. Including property taxes of $554/month, the total monthly housing cost is approximately $4,804.
What income do I need to buy a home in Apple Valley?
Using the 28% rule, you would need an annual income of approximately $205,886 to afford the median-priced home in Apple Valley at $831,000. The median household income in Apple Valley is $78,700. This means most households would need to either earn above the median or consider homes below $831,000.
Is Apple Valley a good place to buy a home in 2026?
Apple Valley has a higher cost of living than average with a cost of living index of 141.6 (national average = 100). The property tax rate in California is 0.8%, which is below the national average. Apple Valley has a population of 75,791 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 Apple Valley, California area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.