Mortgage Rates in San Gabriel, California — March 2026
Updated March 2026 | Based on San Gabriel market data and regional lending conditions
San Gabriel is a growing city in California with a population of 39,718. The current 30-year fixed mortgage rate in San Gabriel is 6.67%, which is 0.02% above the national average. With a median home price of $794,000 and a 20% down payment of $158,800, homebuyers can expect a monthly principal and interest payment of approximately $4,086.
Current Mortgage Rates in San Gabriel, CA
Below are the current average mortgage rates available in the San Gabriel 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 | 6.67% | 6.65% | +0.02% |
| 15-Year Fixed | 5.92% | 5.89% | +0.03% |
| 5/1 ARM | 6.2% | 6.15% | +0.05% |
| FHA | 6.46% | 6.25% | +0.21% |
| VA | 6.21% | 6.05% | +0.16% |
| Jumbo | 6.92% | 6.85% | +0.07% |
San Gabriel Housing Market Overview
The San Gabriel housing market is competitive with prices well above the national median. The median household income in San Gabriel is $76,200, and the cost of living index is 145.7 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $196,114 to comfortably afford the median-priced home in San Gabriel, which exceeds the current median household income.
Monthly Payment Breakdown for San Gabriel
Based on the median home price of $794,000 with 20% down ($158,800), here is what you can expect to pay monthly in San Gabriel:
15-Year vs. 30-Year Mortgage in San Gabriel
Choosing a 15-year mortgage in San Gabriel at 5.92% instead of a 30-year at 6.67% would save you $511,020 in total interest over the life of the loan. However, your monthly payment would be $5,333 instead of $4,086 — an increase of $1,247 per month.
Calculate Your San Gabriel 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 Gabriel
What are the current mortgage rates in San Gabriel, CA?
As of March 2026, the average 30-year fixed mortgage rate in San Gabriel, California is 6.67%, while the 15-year fixed rate is 5.92%. FHA loans average 6.46% and VA loans 6.21%. These rates are 0.02% above the national average of 6.65%.
How much is a monthly mortgage payment in San Gabriel?
Based on the median home price of $794,000 with 20% down, the estimated monthly mortgage payment in San Gabriel is $4,086 for principal and interest. Including property taxes of $490/month, the total monthly housing cost is approximately $4,576.
What income do I need to buy a home in San Gabriel?
Using the 28% rule, you would need an annual income of approximately $196,114 to afford the median-priced home in San Gabriel at $794,000. The median household income in San Gabriel is $76,200. This means most households would need to either earn above the median or consider homes below $794,000.
Is San Gabriel a good place to buy a home in 2026?
San Gabriel has a higher cost of living than average with a cost of living index of 145.7 (national average = 100). The property tax rate in California is 0.74%, which is below the national average. San Gabriel has a population of 39,718 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 San Gabriel, California area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.