Mortgage Rates in California — March 2026
Compare current mortgage rates across 66 cities in California. The average 30-year fixed rate is 6.55%, which is 0.1% below the national average of 6.65%.
California Housing Highlights
All 66 Cities in California
| City | 30-Yr Rate | Home Price | Monthly P&I | Population |
|---|---|---|---|---|
| Los Angeles | 6.55% | $925,000 | $4,702 | 3,979,576 |
| San Diego | 6.55% | $875,000 | $4,448 | 1,423,851 |
| San Jose | 6.55% | $1,350,000 | $6,862 | 1,013,240 |
| San Francisco | 6.55% | $1,250,000 | $6,354 | 873,965 |
| Fresno | 6.55% | $365,000 | $1,855 | 542,107 |
| Sacramento | 6.55% | $475,000 | $2,414 | 524,943 |
| Long Beach | 6.55% | $795,000 | $4,041 | 466,742 |
| Oakland | 6.55% | $825,000 | $4,193 | 433,031 |
| Bakersfield | 6.55% | $335,000 | $1,703 | 403,455 |
| Anaheim | 6.55% | $875,000 | $4,448 | 350,365 |
| Stockton | 6.55% | $435,000 | $2,211 | 320,804 |
| Riverside | 6.55% | $545,000 | $2,770 | 314,998 |
| Santa Ana | 6.55% | $785,000 | $3,990 | 309,441 |
| Irvine | 6.55% | $1,250,000 | $6,354 | 307,670 |
| Chula Vista | 6.55% | $735,000 | $3,736 | 275,487 |
| Fremont | 6.55% | $1,350,000 | $6,862 | 230,504 |
| Santa Clarita | 6.55% | $745,000 | $3,787 | 228,673 |
| San Bernardino | 6.55% | $395,000 | $2,008 | 222,101 |
| Modesto | 6.55% | $395,000 | $2,008 | 218,464 |
| Fontana | 6.55% | $525,000 | $2,669 | 214,547 |
| Moreno Valley | 6.55% | $495,000 | $2,516 | 212,477 |
| Oxnard | 6.55% | $695,000 | $3,533 | 202,063 |
| Huntington Beach | 6.55% | $1,050,000 | $5,337 | 198,711 |
| Glendale | 6.55% | $985,000 | $5,007 | 196,543 |
| Santa Rosa | 6.55% | $725,000 | $3,685 | 178,391 |
| Rancho Cucamonga | 6.55% | $645,000 | $3,278 | 177,603 |
| Oceanside | 6.55% | $735,000 | $3,736 | 176,218 |
| Elk Grove | 6.55% | $545,000 | $2,770 | 176,124 |
| Ontario | 6.55% | $555,000 | $2,821 | 175,265 |
| Lancaster | 6.55% | $395,000 | $2,008 | 173,516 |
| Garden Grove | 6.55% | $815,000 | $4,143 | 172,646 |
| Palmdale | 6.55% | $415,000 | $2,109 | 169,450 |
| Hayward | 6.55% | $835,000 | $4,244 | 162,954 |
| Corona | 6.55% | $615,000 | $3,126 | 157,136 |
| Sunnyvale | 6.55% | $1,750,000 | $8,895 | 155,805 |
| Pomona | 6.55% | $555,000 | $2,821 | 151,713 |
| Escondido | 6.55% | $695,000 | $3,533 | 151,038 |
| Roseville | 6.55% | $545,000 | $2,770 | 147,773 |
| Torrance | 6.55% | $975,000 | $4,956 | 143,505 |
| Visalia | 6.55% | $345,000 | $1,754 | 141,384 |
| Pasadena | 6.55% | $1,050,000 | $5,337 | 138,699 |
| Victorville | 6.55% | $375,000 | $1,906 | 134,810 |
| Concord | 6.55% | $715,000 | $3,634 | 129,295 |
| Vallejo | 6.55% | $485,000 | $2,465 | 121,692 |
| Clovis | 6.55% | $425,000 | $2,160 | 120,124 |
| Antioch | 6.55% | $545,000 | $2,770 | 115,291 |
| Carlsbad | 6.55% | $1,050,000 | $5,337 | 114,746 |
| Murrieta | 6.55% | $575,000 | $2,923 | 113,167 |
| Downey | 6.55% | $695,000 | $3,533 | 111,772 |
| Temecula | 6.55% | $595,000 | $3,024 | 110,003 |
| Santa Maria | 6.55% | $535,000 | $2,719 | 109,988 |
| Ventura | 6.55% | $755,000 | $3,838 | 109,106 |
| El Cajon | 6.55% | $625,000 | $3,177 | 106,215 |
| West Covina | 6.55% | $695,000 | $3,533 | 106,098 |
| San Mateo | 6.55% | $1,450,000 | $7,370 | 105,661 |
| Norwalk | 6.55% | $645,000 | $3,278 | 105,549 |
| Daly City | 6.55% | $1,050,000 | $5,337 | 104,901 |
| Menifee | 6.55% | $495,000 | $2,516 | 102,527 |
| Chico | 6.55% | $385,000 | $1,957 | 101,475 |
| South Gate | 6.55% | $595,000 | $3,024 | 94,396 |
| Redding | 6.55% | $365,000 | $1,855 | 92,590 |
| Indio | 6.55% | $395,000 | $2,008 | 92,539 |
| San Leandro | 6.55% | $775,000 | $3,939 | 91,498 |
| Lake Forest | 6.55% | $895,000 | $4,549 | 85,858 |
| Manteca | 6.55% | $535,000 | $2,719 | 84,375 |
| Napa | 6.55% | $795,000 | $4,041 | 79,068 |
California Mortgage Rates Guide — 2026
California homebuyers currently see an average 30-year fixed mortgage rate of 6.55%, with median home prices around $713,636. At these rates, the typical monthly mortgage payment (principal and interest with 20% down) is $3,627.
The most affordable city for homebuyers in California is Bakersfield, where the median home price is $335,000. On the other end, Sunnyvale has the highest prices at $1,750,000. Property tax rates across the state average 0.76%.
To comfortably afford a home at the state average price, a household income of approximately $155,443 is recommended, following the standard guideline that housing costs should not exceed 28% of gross income.
Use our free loan calculator to see your exact monthly payments and amortization schedule, or browse individual city pages below for localized rate data and market insights.
Frequently Asked Questions — California Mortgages
What are current mortgage rates in California?
As of March 2026, the average 30-year fixed mortgage rate in California is 6.55% and the 15-year fixed rate averages 5.79%. Rates vary by city, lender, and borrower qualification.
What is the average home price in California?
The median home price across 66 cities in California is $713,636. Prices range from $335,000 in Bakersfield to $1,750,000 in Sunnyvale.
How much income do I need to buy a house in California?
Based on the 28% debt-to-income guideline, you would need a household income of approximately $155,443 to comfortably afford the average home in California. The median household income in the state is approximately $75,896.
California Mortgage Rates by ZIP Code
Explore mortgage rates for specific ZIP codes in California. Rates can vary by neighborhood based on local property values and lending conditions.
Browse Mortgage Rates by State
Calculate Your California Mortgage Payment
Use our free calculator to see your exact monthly payment and amortization schedule.
Open Free Calculator