Mortgage Rates in Rialto, California — March 2026
Updated March 2026 | Based on Rialto market data and regional lending conditions
Rialto is a growing city in California with a population of 104,026. The current 30-year fixed mortgage rate in Rialto is 6.83%, which is 0.18% above the national average. With a median home price of $848,000 and a 20% down payment of $169,600, homebuyers can expect a monthly principal and interest payment of approximately $4,436.
Current Mortgage Rates in Rialto, CA
Below are the current average mortgage rates available in the Rialto 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 | 6.83% | 6.65% | +0.18% |
| 15-Year Fixed | 6.05% | 5.89% | +0.16% |
| 5/1 ARM | 6.3% | 6.15% | +0.15% |
| FHA | 6.54% | 6.25% | +0.29% |
| VA | 6.29% | 6.05% | +0.24% |
| Jumbo | 7.08% | 6.85% | +0.23% |
Rialto Housing Market Overview
The Rialto housing market is competitive with prices well above the national median. The median household income in Rialto is $89,800, and the cost of living index is 152.8 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $212,529 to comfortably afford the median-priced home in Rialto, which exceeds the current median household income.
Monthly Payment Breakdown for Rialto
Based on the median home price of $848,000 with 20% down ($169,600), here is what you can expect to pay monthly in Rialto:
15-Year vs. 30-Year Mortgage in Rialto
Choosing a 15-year mortgage in Rialto at 6.05% instead of a 30-year at 6.83% would save you $563,220 in total interest over the life of the loan. However, your monthly payment would be $5,743 instead of $4,436 — an increase of $1,307 per month.
Calculate Your Rialto Mortgage Payment
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Open Free CalculatorFrequently Asked Questions About Mortgages in Rialto
What are the current mortgage rates in Rialto, CA?
As of March 2026, the average 30-year fixed mortgage rate in Rialto, California is 6.83%, while the 15-year fixed rate is 6.05%. FHA loans average 6.54% and VA loans 6.29%. These rates are 0.18% above the national average of 6.65%.
How much is a monthly mortgage payment in Rialto?
Based on the median home price of $848,000 with 20% down, the estimated monthly mortgage payment in Rialto is $4,436 for principal and interest. Including property taxes of $523/month, the total monthly housing cost is approximately $4,959.
What income do I need to buy a home in Rialto?
Using the 28% rule, you would need an annual income of approximately $212,529 to afford the median-priced home in Rialto at $848,000. The median household income in Rialto is $89,800. This means most households would need to either earn above the median or consider homes below $848,000.
Is Rialto a good place to buy a home in 2026?
Rialto has a higher cost of living than average with a cost of living index of 152.8 (national average = 100). The property tax rate in California is 0.74%, which is below the national average. Rialto has a population of 104,026 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 Rialto, California area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.