Mortgage Rates in Tustin, California — March 2026
Updated March 2026 | Based on Tustin market data and regional lending conditions
Tustin is a growing city in California with a population of 80,276. The current 30-year fixed mortgage rate in Tustin is 6.7%, which is 0.05% above the national average. With a median home price of $813,000 and a 20% down payment of $162,600, homebuyers can expect a monthly principal and interest payment of approximately $4,197.
Current Mortgage Rates in Tustin, CA
Below are the current average mortgage rates available in the Tustin 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 | 6.7% | 6.65% | +0.05% |
| 15-Year Fixed | 5.95% | 5.89% | +0.06% |
| 5/1 ARM | 6.22% | 6.15% | +0.07% |
| FHA | 6.48% | 6.25% | +0.23% |
| VA | 6.23% | 6.05% | +0.18% |
| Jumbo | 6.95% | 6.85% | +0.1% |
Tustin Housing Market Overview
The Tustin housing market is competitive with prices well above the national median. The median household income in Tustin is $69,800, and the cost of living index is 151.9 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $203,400 to comfortably afford the median-priced home in Tustin, which exceeds the current median household income.
Monthly Payment Breakdown for Tustin
Based on the median home price of $813,000 with 20% down ($162,600), here is what you can expect to pay monthly in Tustin:
15-Year vs. 30-Year Mortgage in Tustin
Choosing a 15-year mortgage in Tustin at 5.95% instead of a 30-year at 6.7% would save you $526,140 in total interest over the life of the loan. However, your monthly payment would be $5,471 instead of $4,197 — an increase of $1,274 per month.
Calculate Your Tustin Mortgage Payment
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Open Free CalculatorFrequently Asked Questions About Mortgages in Tustin
What are the current mortgage rates in Tustin, CA?
As of March 2026, the average 30-year fixed mortgage rate in Tustin, California is 6.7%, while the 15-year fixed rate is 5.95%. FHA loans average 6.48% and VA loans 6.23%. These rates are 0.05% above the national average of 6.65%.
How much is a monthly mortgage payment in Tustin?
Based on the median home price of $813,000 with 20% down, the estimated monthly mortgage payment in Tustin is $4,197 for principal and interest. Including property taxes of $549/month, the total monthly housing cost is approximately $4,746.
What income do I need to buy a home in Tustin?
Using the 28% rule, you would need an annual income of approximately $203,400 to afford the median-priced home in Tustin at $813,000. The median household income in Tustin is $69,800. This means most households would need to either earn above the median or consider homes below $813,000.
Is Tustin a good place to buy a home in 2026?
Tustin has a higher cost of living than average with a cost of living index of 151.9 (national average = 100). The property tax rate in California is 0.81%, which is near the national average. Tustin has a population of 80,276 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 Tustin, California area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.