Mortgage Rates in Bell Gardens, California — March 2026
Updated March 2026 | Based on Bell Gardens market data and regional lending conditions
Bell Gardens is a growing city in California with a population of 42,155. The current 30-year fixed mortgage rate in Bell Gardens is 6.74%, which is 0.09% above the national average. With a median home price of $762,000 and a 20% down payment of $152,400, homebuyers can expect a monthly principal and interest payment of approximately $3,950.
Current Mortgage Rates in Bell Gardens, CA
Below are the current average mortgage rates available in the Bell Gardens 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 | 6.74% | 6.65% | +0.09% |
| 15-Year Fixed | 5.98% | 5.89% | +0.09% |
| 5/1 ARM | 6.24% | 6.15% | +0.09% |
| FHA | 6.49% | 6.25% | +0.24% |
| VA | 6.24% | 6.05% | +0.19% |
| Jumbo | 6.99% | 6.85% | +0.14% |
Bell Gardens Housing Market Overview
The Bell Gardens housing market is competitive with prices well above the national median. The median household income in Bell Gardens is $71,400, and the cost of living index is 148.5 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $190,243 to comfortably afford the median-priced home in Bell Gardens, which exceeds the current median household income.
Monthly Payment Breakdown for Bell Gardens
Based on the median home price of $762,000 with 20% down ($152,400), here is what you can expect to pay monthly in Bell Gardens:
15-Year vs. 30-Year Mortgage in Bell Gardens
Choosing a 15-year mortgage in Bell Gardens at 5.98% instead of a 30-year at 6.74% would save you $497,160 in total interest over the life of the loan. However, your monthly payment would be $5,138 instead of $3,950 — an increase of $1,188 per month.
Calculate Your Bell Gardens Mortgage Payment
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Open Free CalculatorFrequently Asked Questions About Mortgages in Bell Gardens
What are the current mortgage rates in Bell Gardens, CA?
As of March 2026, the average 30-year fixed mortgage rate in Bell Gardens, California is 6.74%, while the 15-year fixed rate is 5.98%. FHA loans average 6.49% and VA loans 6.24%. These rates are 0.09% above the national average of 6.65%.
How much is a monthly mortgage payment in Bell Gardens?
Based on the median home price of $762,000 with 20% down, the estimated monthly mortgage payment in Bell Gardens is $3,950 for principal and interest. Including property taxes of $489/month, the total monthly housing cost is approximately $4,439.
What income do I need to buy a home in Bell Gardens?
Using the 28% rule, you would need an annual income of approximately $190,243 to afford the median-priced home in Bell Gardens at $762,000. The median household income in Bell Gardens is $71,400. This means most households would need to either earn above the median or consider homes below $762,000.
Is Bell Gardens a good place to buy a home in 2026?
Bell Gardens has a higher cost of living than average with a cost of living index of 148.5 (national average = 100). The property tax rate in California is 0.77%, which is below the national average. Bell Gardens has a population of 42,155 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 Bell Gardens, California area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.