Mortgage Rates in Buena Park, California — March 2026
Updated March 2026 | Based on Buena Park market data and regional lending conditions
Buena Park is a growing city in California with a population of 82,882. The current 30-year fixed mortgage rate in Buena Park is 6.88%, which is 0.23% above the national average. With a median home price of $671,000 and a 20% down payment of $134,200, homebuyers can expect a monthly principal and interest payment of approximately $3,528.
Current Mortgage Rates in Buena Park, CA
Below are the current average mortgage rates available in the Buena Park 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 | 6.88% | 6.65% | +0.23% |
| 15-Year Fixed | 6.09% | 5.89% | +0.2% |
| 5/1 ARM | 6.33% | 6.15% | +0.18% |
| FHA | 6.57% | 6.25% | +0.32% |
| VA | 6.32% | 6.05% | +0.27% |
| Jumbo | 7.13% | 6.85% | +0.28% |
Buena Park Housing Market Overview
The Buena Park housing market is competitive with prices well above the national median. The median household income in Buena Park is $83,200, and the cost of living index is 145.3 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $169,671 to comfortably afford the median-priced home in Buena Park, which exceeds the current median household income.
Monthly Payment Breakdown for Buena Park
Based on the median home price of $671,000 with 20% down ($134,200), here is what you can expect to pay monthly in Buena Park:
15-Year vs. 30-Year Mortgage in Buena Park
Choosing a 15-year mortgage in Buena Park at 6.09% instead of a 30-year at 6.88% would save you $450,000 in total interest over the life of the loan. However, your monthly payment would be $4,556 instead of $3,528 — an increase of $1,028 per month.
Calculate Your Buena Park 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 Buena Park
What are the current mortgage rates in Buena Park, CA?
As of March 2026, the average 30-year fixed mortgage rate in Buena Park, California is 6.88%, while the 15-year fixed rate is 6.09%. FHA loans average 6.57% and VA loans 6.32%. These rates are 0.23% above the national average of 6.65%.
How much is a monthly mortgage payment in Buena Park?
Based on the median home price of $671,000 with 20% down, the estimated monthly mortgage payment in Buena Park is $3,528 for principal and interest. Including property taxes of $431/month, the total monthly housing cost is approximately $3,959.
What income do I need to buy a home in Buena Park?
Using the 28% rule, you would need an annual income of approximately $169,671 to afford the median-priced home in Buena Park at $671,000. The median household income in Buena Park is $83,200. This means most households would need to either earn above the median or consider homes below $671,000.
Is Buena Park a good place to buy a home in 2026?
Buena Park has a higher cost of living than average with a cost of living index of 145.3 (national average = 100). The property tax rate in California is 0.77%, which is below the national average. Buena Park has a population of 82,882 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 Buena Park, California area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.