Mortgage Rates in Santa Clarita, California — March 2026
Updated March 2026 | Based on Santa Clarita market data and regional lending conditions
Santa Clarita is a mid-sized city in California with a population of 228,673. The current 30-year fixed mortgage rate in Santa Clarita is 6.55%, which is 0.1% below the national average. With a median home price of $745,000 and a 20% down payment of $149,000, homebuyers can expect a monthly principal and interest payment of approximately $3,787.
Current Mortgage Rates in Santa Clarita, CA
Below are the current average mortgage rates available in the Santa Clarita 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% |
Santa Clarita Housing Market Overview
The Santa Clarita housing market is competitive with prices well above the national median. The median household income in Santa Clarita is $98,825, and the cost of living index is 142.5 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $182,529 to comfortably afford the median-priced home in Santa Clarita, which exceeds the current median household income.
Monthly Payment Breakdown for Santa Clarita
Based on the median home price of $745,000 with 20% down ($149,000), here is what you can expect to pay monthly in Santa Clarita:
15-Year vs. 30-Year Mortgage in Santa Clarita
Choosing a 15-year mortgage in Santa Clarita at 5.79% instead of a 30-year at 6.55% would save you $470,160 in total interest over the life of the loan. However, your monthly payment would be $4,962 instead of $3,787 — an increase of $1,175 per month.
Calculate Your Santa Clarita 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 Santa Clarita
What are the current mortgage rates in Santa Clarita, CA?
As of March 2026, the average 30-year fixed mortgage rate in Santa Clarita, 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 Santa Clarita?
Based on the median home price of $745,000 with 20% down, the estimated monthly mortgage payment in Santa Clarita is $3,787 for principal and interest. Including property taxes of $472/month, the total monthly housing cost is approximately $4,259.
What income do I need to buy a home in Santa Clarita?
Using the 28% rule, you would need an annual income of approximately $182,529 to afford the median-priced home in Santa Clarita at $745,000. The median household income in Santa Clarita is $98,825. This means most households would need to either earn above the median or consider homes below $745,000.
Is Santa Clarita a good place to buy a home in 2026?
Santa Clarita has a higher cost of living than average with a cost of living index of 142.5 (national average = 100). The property tax rate in California is 0.76%, which is below the national average. Santa Clarita has a population of 228,673 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 Santa Clarita, California area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.