Mortgage Rates in Citrus Heights, California — March 2026
Updated March 2026 | Based on Citrus Heights market data and regional lending conditions
Citrus Heights is a growing city in California with a population of 87,583. The current 30-year fixed mortgage rate in Citrus Heights is 6.66%, which is 0.01% above the national average. With a median home price of $673,000 and a 20% down payment of $134,600, homebuyers can expect a monthly principal and interest payment of approximately $3,460.
Current Mortgage Rates in Citrus Heights, CA
Below are the current average mortgage rates available in the Citrus Heights 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 | 6.66% | 6.65% | +0.01% |
| 15-Year Fixed | 5.92% | 5.89% | +0.03% |
| 5/1 ARM | 6.2% | 6.15% | +0.05% |
| FHA | 6.46% | 6.25% | +0.21% |
| VA | 6.21% | 6.05% | +0.16% |
| Jumbo | 6.91% | 6.85% | +0.06% |
Citrus Heights Housing Market Overview
The Citrus Heights housing market is competitive with prices well above the national median. The median household income in Citrus Heights is $80,800, and the cost of living index is 144.4 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $167,271 to comfortably afford the median-priced home in Citrus Heights, which exceeds the current median household income.
Monthly Payment Breakdown for Citrus Heights
Based on the median home price of $673,000 with 20% down ($134,600), here is what you can expect to pay monthly in Citrus Heights:
15-Year vs. 30-Year Mortgage in Citrus Heights
Choosing a 15-year mortgage in Citrus Heights at 5.92% instead of a 30-year at 6.66% would save you $432,000 in total interest over the life of the loan. However, your monthly payment would be $4,520 instead of $3,460 — an increase of $1,060 per month.
Calculate Your Citrus Heights 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 Citrus Heights
What are the current mortgage rates in Citrus Heights, CA?
As of March 2026, the average 30-year fixed mortgage rate in Citrus Heights, California is 6.66%, while the 15-year fixed rate is 5.92%. FHA loans average 6.46% and VA loans 6.21%. These rates are 0.01% above the national average of 6.65%.
How much is a monthly mortgage payment in Citrus Heights?
Based on the median home price of $673,000 with 20% down, the estimated monthly mortgage payment in Citrus Heights is $3,460 for principal and interest. Including property taxes of $443/month, the total monthly housing cost is approximately $3,903.
What income do I need to buy a home in Citrus Heights?
Using the 28% rule, you would need an annual income of approximately $167,271 to afford the median-priced home in Citrus Heights at $673,000. The median household income in Citrus Heights is $80,800. This means most households would need to either earn above the median or consider homes below $673,000.
Is Citrus Heights a good place to buy a home in 2026?
Citrus Heights has a higher cost of living than average with a cost of living index of 144.4 (national average = 100). The property tax rate in California is 0.79%, which is below the national average. Citrus Heights has a population of 87,583 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 Citrus Heights, California area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.