Mortgage Rates in Fontana, California — March 2026
Updated March 2026 | Based on Fontana market data and regional lending conditions
Fontana is a mid-sized city in California with a population of 214,547. The current 30-year fixed mortgage rate in Fontana is 6.55%, which is 0.1% below the national average. With a median home price of $525,000 and a 20% down payment of $105,000, homebuyers can expect a monthly principal and interest payment of approximately $2,669.
Current Mortgage Rates in Fontana, CA
Below are the current average mortgage rates available in the Fontana 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% |
Fontana Housing Market Overview
The Fontana housing market is competitive with prices well above the national median. The median household income in Fontana is $72,945, 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 $128,657 to comfortably afford the median-priced home in Fontana, which exceeds the current median household income.
Monthly Payment Breakdown for Fontana
Based on the median home price of $525,000 with 20% down ($105,000), here is what you can expect to pay monthly in Fontana:
15-Year vs. 30-Year Mortgage in Fontana
Choosing a 15-year mortgage in Fontana at 5.79% instead of a 30-year at 6.55% would save you $331,380 in total interest over the life of the loan. However, your monthly payment would be $3,497 instead of $2,669 — an increase of $828 per month.
Calculate Your Fontana 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 Fontana
What are the current mortgage rates in Fontana, CA?
As of March 2026, the average 30-year fixed mortgage rate in Fontana, 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 Fontana?
Based on the median home price of $525,000 with 20% down, the estimated monthly mortgage payment in Fontana is $2,669 for principal and interest. Including property taxes of $333/month, the total monthly housing cost is approximately $3,002.
What income do I need to buy a home in Fontana?
Using the 28% rule, you would need an annual income of approximately $128,657 to afford the median-priced home in Fontana at $525,000. The median household income in Fontana is $72,945. This means most households would need to either earn above the median or consider homes below $525,000.
Is Fontana a good place to buy a home in 2026?
Fontana 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. Fontana has a population of 214,547 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 Fontana, California area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.