Mortgage Rates in Rancho Cucamonga, California — March 2026
Updated March 2026 | Based on Rancho Cucamonga market data and regional lending conditions
Rancho Cucamonga is a growing city in California with a population of 177,603. The current 30-year fixed mortgage rate in Rancho Cucamonga is 6.55%, which is 0.1% below the national average. With a median home price of $645,000 and a 20% down payment of $129,000, homebuyers can expect a monthly principal and interest payment of approximately $3,278.
Current Mortgage Rates in Rancho Cucamonga, CA
Below are the current average mortgage rates available in the Rancho Cucamonga 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% |
Rancho Cucamonga Housing Market Overview
The Rancho Cucamonga housing market is competitive with prices well above the national median. The median household income in Rancho Cucamonga is $85,250, and the cost of living index is 125.5 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $158,014 to comfortably afford the median-priced home in Rancho Cucamonga, which exceeds the current median household income.
Monthly Payment Breakdown for Rancho Cucamonga
Based on the median home price of $645,000 with 20% down ($129,000), here is what you can expect to pay monthly in Rancho Cucamonga:
15-Year vs. 30-Year Mortgage in Rancho Cucamonga
Choosing a 15-year mortgage in Rancho Cucamonga at 5.79% instead of a 30-year at 6.55% would save you $406,800 in total interest over the life of the loan. However, your monthly payment would be $4,296 instead of $3,278 — an increase of $1,018 per month.
Calculate Your Rancho Cucamonga 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 Rancho Cucamonga
What are the current mortgage rates in Rancho Cucamonga, CA?
As of March 2026, the average 30-year fixed mortgage rate in Rancho Cucamonga, 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 Rancho Cucamonga?
Based on the median home price of $645,000 with 20% down, the estimated monthly mortgage payment in Rancho Cucamonga is $3,278 for principal and interest. Including property taxes of $409/month, the total monthly housing cost is approximately $3,687.
What income do I need to buy a home in Rancho Cucamonga?
Using the 28% rule, you would need an annual income of approximately $158,014 to afford the median-priced home in Rancho Cucamonga at $645,000. The median household income in Rancho Cucamonga is $85,250. This means most households would need to either earn above the median or consider homes below $645,000.
Is Rancho Cucamonga a good place to buy a home in 2026?
Rancho Cucamonga has a higher cost of living than average with a cost of living index of 125.5 (national average = 100). The property tax rate in California is 0.76%, which is below the national average. Rancho Cucamonga has a population of 177,603 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 Rancho Cucamonga, California area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.