Mortgage Rates in Huntington Beach, California — March 2026
Updated March 2026 | Based on Huntington Beach market data and regional lending conditions
Huntington Beach is a growing city in California with a population of 198,711. The current 30-year fixed mortgage rate in Huntington Beach is 6.55%, which is 0.1% below the national average. With a median home price of $1,050,000 and a 20% down payment of $210,000, homebuyers can expect a monthly principal and interest payment of approximately $5,337.
Current Mortgage Rates in Huntington Beach, CA
Below are the current average mortgage rates available in the Huntington Beach 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% |
Huntington Beach Housing Market Overview
The Huntington Beach housing market is competitive with prices well above the national median. The median household income in Huntington Beach is $102,500, and the cost of living index is 165.5 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $257,229 to comfortably afford the median-priced home in Huntington Beach, which exceeds the current median household income.
Monthly Payment Breakdown for Huntington Beach
Based on the median home price of $1,050,000 with 20% down ($210,000), here is what you can expect to pay monthly in Huntington Beach:
15-Year vs. 30-Year Mortgage in Huntington Beach
Choosing a 15-year mortgage in Huntington Beach at 5.79% instead of a 30-year at 6.55% would save you $662,580 in total interest over the life of the loan. However, your monthly payment would be $6,993 instead of $5,337 — an increase of $1,656 per month.
Calculate Your Huntington Beach 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 Huntington Beach
What are the current mortgage rates in Huntington Beach, CA?
As of March 2026, the average 30-year fixed mortgage rate in Huntington Beach, 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 Huntington Beach?
Based on the median home price of $1,050,000 with 20% down, the estimated monthly mortgage payment in Huntington Beach is $5,337 for principal and interest. Including property taxes of $665/month, the total monthly housing cost is approximately $6,002.
What income do I need to buy a home in Huntington Beach?
Using the 28% rule, you would need an annual income of approximately $257,229 to afford the median-priced home in Huntington Beach at $1,050,000. The median household income in Huntington Beach is $102,500. This means most households would need to either earn above the median or consider homes below $1,050,000.
Is Huntington Beach a good place to buy a home in 2026?
Huntington Beach has a higher cost of living than average with a cost of living index of 165.5 (national average = 100). The property tax rate in California is 0.76%, which is below the national average. Huntington Beach has a population of 198,711 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 Huntington Beach, California area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.