Mortgage Rates in Livermore, California — March 2026
Updated March 2026 | Based on Livermore market data and regional lending conditions
Livermore is a growing city in California with a population of 90,189. The current 30-year fixed mortgage rate in Livermore is 6.86%, which is 0.21% above the national average. With a median home price of $722,000 and a 20% down payment of $144,400, homebuyers can expect a monthly principal and interest payment of approximately $3,789.
Current Mortgage Rates in Livermore, CA
Below are the current average mortgage rates available in the Livermore 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 | 6.86% | 6.65% | +0.21% |
| 15-Year Fixed | 6.08% | 5.89% | +0.19% |
| 5/1 ARM | 6.31% | 6.15% | +0.16% |
| FHA | 6.55% | 6.25% | +0.3% |
| VA | 6.3% | 6.05% | +0.25% |
| Jumbo | 7.11% | 6.85% | +0.26% |
Livermore Housing Market Overview
The Livermore housing market is competitive with prices well above the national median. The median household income in Livermore is $71,900, and the cost of living index is 150.5 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $181,200 to comfortably afford the median-priced home in Livermore, which exceeds the current median household income.
Monthly Payment Breakdown for Livermore
Based on the median home price of $722,000 with 20% down ($144,400), here is what you can expect to pay monthly in Livermore:
15-Year vs. 30-Year Mortgage in Livermore
Choosing a 15-year mortgage in Livermore at 6.08% instead of a 30-year at 6.86% would save you $482,220 in total interest over the life of the loan. However, your monthly payment would be $4,899 instead of $3,789 — an increase of $1,110 per month.
Calculate Your Livermore 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 Livermore
What are the current mortgage rates in Livermore, CA?
As of March 2026, the average 30-year fixed mortgage rate in Livermore, California is 6.86%, while the 15-year fixed rate is 6.08%. FHA loans average 6.55% and VA loans 6.3%. These rates are 0.21% above the national average of 6.65%.
How much is a monthly mortgage payment in Livermore?
Based on the median home price of $722,000 with 20% down, the estimated monthly mortgage payment in Livermore is $3,789 for principal and interest. Including property taxes of $439/month, the total monthly housing cost is approximately $4,228.
What income do I need to buy a home in Livermore?
Using the 28% rule, you would need an annual income of approximately $181,200 to afford the median-priced home in Livermore at $722,000. The median household income in Livermore is $71,900. This means most households would need to either earn above the median or consider homes below $722,000.
Is Livermore a good place to buy a home in 2026?
Livermore has a higher cost of living than average with a cost of living index of 150.5 (national average = 100). The property tax rate in California is 0.73%, which is below the national average. Livermore has a population of 90,189 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 Livermore, California area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.