Mortgage Rates in Manteca, California — March 2026
Updated March 2026 | Based on Manteca market data and regional lending conditions
Manteca is a growing city in California with a population of 84,375. The current 30-year fixed mortgage rate in Manteca is 6.55%, which is 0.1% below the national average. With a median home price of $535,000 and a 20% down payment of $107,000, homebuyers can expect a monthly principal and interest payment of approximately $2,719.
Current Mortgage Rates in Manteca, CA
Below are the current average mortgage rates available in the Manteca 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% |
Manteca Housing Market Overview
The Manteca housing market is competitive with prices well above the national median. The median household income in Manteca is $82,250, and the cost of living index is 112.5 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $131,057 to comfortably afford the median-priced home in Manteca, which exceeds the current median household income.
Monthly Payment Breakdown for Manteca
Based on the median home price of $535,000 with 20% down ($107,000), here is what you can expect to pay monthly in Manteca:
15-Year vs. 30-Year Mortgage in Manteca
Choosing a 15-year mortgage in Manteca at 5.79% instead of a 30-year at 6.55% would save you $337,500 in total interest over the life of the loan. However, your monthly payment would be $3,563 instead of $2,719 — an increase of $844 per month.
Calculate Your Manteca 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 Manteca
What are the current mortgage rates in Manteca, CA?
As of March 2026, the average 30-year fixed mortgage rate in Manteca, 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 Manteca?
Based on the median home price of $535,000 with 20% down, the estimated monthly mortgage payment in Manteca is $2,719 for principal and interest. Including property taxes of $339/month, the total monthly housing cost is approximately $3,058.
What income do I need to buy a home in Manteca?
Using the 28% rule, you would need an annual income of approximately $131,057 to afford the median-priced home in Manteca at $535,000. The median household income in Manteca is $82,250. This means most households would need to either earn above the median or consider homes below $535,000.
Is Manteca a good place to buy a home in 2026?
Manteca has a moderate cost of living with a cost of living index of 112.5 (national average = 100). The property tax rate in California is 0.76%, which is below the national average. Manteca has a population of 84,375 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 Manteca, California area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.