Mortgage Rates in San Anselmo, California — March 2026
Updated March 2026 | Based on San Anselmo market data and regional lending conditions
San Anselmo is a growing city in California with a population of 12,753. The current 30-year fixed mortgage rate in San Anselmo is 6.73%, which is 0.08% above the national average. With a median home price of $699,000 and a 20% down payment of $139,800, homebuyers can expect a monthly principal and interest payment of approximately $3,620.
Current Mortgage Rates in San Anselmo, CA
Below are the current average mortgage rates available in the San Anselmo 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 | 6.73% | 6.65% | +0.08% |
| 15-Year Fixed | 5.97% | 5.89% | +0.08% |
| 5/1 ARM | 6.24% | 6.15% | +0.09% |
| FHA | 6.49% | 6.25% | +0.24% |
| VA | 6.24% | 6.05% | +0.19% |
| Jumbo | 6.98% | 6.85% | +0.13% |
San Anselmo Housing Market Overview
The San Anselmo housing market is competitive with prices well above the national median. The median household income in San Anselmo is $69,200, and the cost of living index is 140 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $174,386 to comfortably afford the median-priced home in San Anselmo, which exceeds the current median household income.
Monthly Payment Breakdown for San Anselmo
Based on the median home price of $699,000 with 20% down ($139,800), here is what you can expect to pay monthly in San Anselmo:
15-Year vs. 30-Year Mortgage in San Anselmo
Choosing a 15-year mortgage in San Anselmo at 5.97% instead of a 30-year at 6.73% would save you $455,400 in total interest over the life of the loan. However, your monthly payment would be $4,710 instead of $3,620 — an increase of $1,090 per month.
Calculate Your San Anselmo 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 San Anselmo
What are the current mortgage rates in San Anselmo, CA?
As of March 2026, the average 30-year fixed mortgage rate in San Anselmo, California is 6.73%, while the 15-year fixed rate is 5.97%. FHA loans average 6.49% and VA loans 6.24%. These rates are 0.08% above the national average of 6.65%.
How much is a monthly mortgage payment in San Anselmo?
Based on the median home price of $699,000 with 20% down, the estimated monthly mortgage payment in San Anselmo is $3,620 for principal and interest. Including property taxes of $449/month, the total monthly housing cost is approximately $4,069.
What income do I need to buy a home in San Anselmo?
Using the 28% rule, you would need an annual income of approximately $174,386 to afford the median-priced home in San Anselmo at $699,000. The median household income in San Anselmo is $69,200. This means most households would need to either earn above the median or consider homes below $699,000.
Is San Anselmo a good place to buy a home in 2026?
San Anselmo has a higher cost of living than average with a cost of living index of 140 (national average = 100). The property tax rate in California is 0.77%, which is below the national average. San Anselmo has a population of 12,753 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 San Anselmo, California area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.