Mortgage Rates in Tulare, California — March 2026
Updated March 2026 | Based on Tulare market data and regional lending conditions
Tulare is a growing city in California with a population of 67,834. The current 30-year fixed mortgage rate in Tulare is 6.64%, which is 0.01% below the national average. With a median home price of $754,000 and a 20% down payment of $150,800, homebuyers can expect a monthly principal and interest payment of approximately $3,868.
Current Mortgage Rates in Tulare, CA
Below are the current average mortgage rates available in the Tulare 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 | 6.64% | 6.65% | -0.01% |
| 15-Year Fixed | 5.9% | 5.89% | +0.01% |
| 5/1 ARM | 6.19% | 6.15% | +0.04% |
| FHA | 6.45% | 6.25% | +0.2% |
| VA | 6.2% | 6.05% | +0.15% |
| Jumbo | 6.89% | 6.85% | +0.04% |
Tulare Housing Market Overview
The Tulare housing market is competitive with prices well above the national median. The median household income in Tulare is $73,300, and the cost of living index is 148.1 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $185,700 to comfortably afford the median-priced home in Tulare, which exceeds the current median household income.
Monthly Payment Breakdown for Tulare
Based on the median home price of $754,000 with 20% down ($150,800), here is what you can expect to pay monthly in Tulare:
15-Year vs. 30-Year Mortgage in Tulare
Choosing a 15-year mortgage in Tulare at 5.9% instead of a 30-year at 6.64% would save you $482,040 in total interest over the life of the loan. However, your monthly payment would be $5,058 instead of $3,868 — an increase of $1,190 per month.
Calculate Your Tulare 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 Tulare
What are the current mortgage rates in Tulare, CA?
As of March 2026, the average 30-year fixed mortgage rate in Tulare, California is 6.64%, while the 15-year fixed rate is 5.9%. FHA loans average 6.45% and VA loans 6.2%. These rates are 0.01% below the national average of 6.65%.
How much is a monthly mortgage payment in Tulare?
Based on the median home price of $754,000 with 20% down, the estimated monthly mortgage payment in Tulare is $3,868 for principal and interest. Including property taxes of $465/month, the total monthly housing cost is approximately $4,333.
What income do I need to buy a home in Tulare?
Using the 28% rule, you would need an annual income of approximately $185,700 to afford the median-priced home in Tulare at $754,000. The median household income in Tulare is $73,300. This means most households would need to either earn above the median or consider homes below $754,000.
Is Tulare a good place to buy a home in 2026?
Tulare has a higher cost of living than average with a cost of living index of 148.1 (national average = 100). The property tax rate in California is 0.74%, which is below the national average. Tulare has a population of 67,834 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 Tulare, California area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.