Mortgage Rates in Pomona, California — March 2026
Updated March 2026 | Based on Pomona market data and regional lending conditions
Pomona is a growing city in California with a population of 151,713. The current 30-year fixed mortgage rate in Pomona is 6.55%, which is 0.1% below the national average. With a median home price of $555,000 and a 20% down payment of $111,000, homebuyers can expect a monthly principal and interest payment of approximately $2,821.
Current Mortgage Rates in Pomona, CA
Below are the current average mortgage rates available in the Pomona 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% |
Pomona Housing Market Overview
The Pomona housing market is competitive with prices well above the national median. The median household income in Pomona is $58,250, and the cost of living index is 118.5 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $135,986 to comfortably afford the median-priced home in Pomona, which exceeds the current median household income.
Monthly Payment Breakdown for Pomona
Based on the median home price of $555,000 with 20% down ($111,000), here is what you can expect to pay monthly in Pomona:
15-Year vs. 30-Year Mortgage in Pomona
Choosing a 15-year mortgage in Pomona at 5.79% instead of a 30-year at 6.55% would save you $350,100 in total interest over the life of the loan. However, your monthly payment would be $3,697 instead of $2,821 — an increase of $876 per month.
Calculate Your Pomona 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 Pomona
What are the current mortgage rates in Pomona, CA?
As of March 2026, the average 30-year fixed mortgage rate in Pomona, 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 Pomona?
Based on the median home price of $555,000 with 20% down, the estimated monthly mortgage payment in Pomona is $2,821 for principal and interest. Including property taxes of $352/month, the total monthly housing cost is approximately $3,173.
What income do I need to buy a home in Pomona?
Using the 28% rule, you would need an annual income of approximately $135,986 to afford the median-priced home in Pomona at $555,000. The median household income in Pomona is $58,250. This means most households would need to either earn above the median or consider homes below $555,000.
Is Pomona a good place to buy a home in 2026?
Pomona has a moderate cost of living with a cost of living index of 118.5 (national average = 100). The property tax rate in California is 0.76%, which is below the national average. Pomona has a population of 151,713 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 Pomona, California area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.