Mortgage Rates in Pleasanton, California — March 2026
Updated March 2026 | Based on Pleasanton market data and regional lending conditions
Pleasanton is a growing city in California with a population of 79,975. The current 30-year fixed mortgage rate in Pleasanton is 6.65%, which is at the national average. With a median home price of $697,000 and a 20% down payment of $139,400, homebuyers can expect a monthly principal and interest payment of approximately $3,580.
Current Mortgage Rates in Pleasanton, CA
Below are the current average mortgage rates available in the Pleasanton 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 | 6.65% | 6.65% | 0% |
| 15-Year Fixed | 5.91% | 5.89% | +0.02% |
| 5/1 ARM | 6.19% | 6.15% | +0.04% |
| FHA | 6.45% | 6.25% | +0.2% |
| VA | 6.2% | 6.05% | +0.15% |
| Jumbo | 6.9% | 6.85% | +0.05% |
Pleasanton Housing Market Overview
The Pleasanton housing market is competitive with prices well above the national median. The median household income in Pleasanton is $76,300, and the cost of living index is 153 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $171,086 to comfortably afford the median-priced home in Pleasanton, which exceeds the current median household income.
Monthly Payment Breakdown for Pleasanton
Based on the median home price of $697,000 with 20% down ($139,400), here is what you can expect to pay monthly in Pleasanton:
15-Year vs. 30-Year Mortgage in Pleasanton
Choosing a 15-year mortgage in Pleasanton at 5.91% instead of a 30-year at 6.65% would save you $446,760 in total interest over the life of the loan. However, your monthly payment would be $4,678 instead of $3,580 — an increase of $1,098 per month.
Calculate Your Pleasanton Mortgage Payment
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Open Free CalculatorFrequently Asked Questions About Mortgages in Pleasanton
What are the current mortgage rates in Pleasanton, CA?
As of March 2026, the average 30-year fixed mortgage rate in Pleasanton, California is 6.65%, while the 15-year fixed rate is 5.91%. FHA loans average 6.45% and VA loans 6.2%. These rates are at the national average of 6.65%.
How much is a monthly mortgage payment in Pleasanton?
Based on the median home price of $697,000 with 20% down, the estimated monthly mortgage payment in Pleasanton is $3,580 for principal and interest. Including property taxes of $412/month, the total monthly housing cost is approximately $3,992.
What income do I need to buy a home in Pleasanton?
Using the 28% rule, you would need an annual income of approximately $171,086 to afford the median-priced home in Pleasanton at $697,000. The median household income in Pleasanton is $76,300. This means most households would need to either earn above the median or consider homes below $697,000.
Is Pleasanton a good place to buy a home in 2026?
Pleasanton has a higher cost of living than average with a cost of living index of 153 (national average = 100). The property tax rate in California is 0.71%, which is below the national average. Pleasanton has a population of 79,975 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 Pleasanton, California area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.