Mortgage Rates in Twentynine Palms, California — March 2026
Updated March 2026 | Based on Twentynine Palms market data and regional lending conditions
Twentynine Palms is a growing city in California with a population of 28,065. The current 30-year fixed mortgage rate in Twentynine Palms is 6.64%, which is 0.01% below the national average. With a median home price of $701,000 and a 20% down payment of $140,200, homebuyers can expect a monthly principal and interest payment of approximately $3,596.
Current Mortgage Rates in Twentynine Palms, CA
Below are the current average mortgage rates available in the Twentynine Palms 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 | 6.18% | 6.15% | +0.03% |
| FHA | 6.44% | 6.25% | +0.19% |
| VA | 6.19% | 6.05% | +0.14% |
| Jumbo | 6.89% | 6.85% | +0.04% |
Twentynine Palms Housing Market Overview
The Twentynine Palms housing market is competitive with prices well above the national median. The median household income in Twentynine Palms is $69,300, and the cost of living index is 136.8 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $174,129 to comfortably afford the median-priced home in Twentynine Palms, which exceeds the current median household income.
Monthly Payment Breakdown for Twentynine Palms
Based on the median home price of $701,000 with 20% down ($140,200), here is what you can expect to pay monthly in Twentynine Palms:
15-Year vs. 30-Year Mortgage in Twentynine Palms
Choosing a 15-year mortgage in Twentynine Palms at 5.9% instead of a 30-year at 6.64% would save you $448,200 in total interest over the life of the loan. However, your monthly payment would be $4,702 instead of $3,596 — an increase of $1,106 per month.
Calculate Your Twentynine Palms 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 Twentynine Palms
What are the current mortgage rates in Twentynine Palms, CA?
As of March 2026, the average 30-year fixed mortgage rate in Twentynine Palms, California is 6.64%, while the 15-year fixed rate is 5.9%. FHA loans average 6.44% and VA loans 6.19%. These rates are 0.01% below the national average of 6.65%.
How much is a monthly mortgage payment in Twentynine Palms?
Based on the median home price of $701,000 with 20% down, the estimated monthly mortgage payment in Twentynine Palms is $3,596 for principal and interest. Including property taxes of $467/month, the total monthly housing cost is approximately $4,063.
What income do I need to buy a home in Twentynine Palms?
Using the 28% rule, you would need an annual income of approximately $174,129 to afford the median-priced home in Twentynine Palms at $701,000. The median household income in Twentynine Palms is $69,300. This means most households would need to either earn above the median or consider homes below $701,000.
Is Twentynine Palms a good place to buy a home in 2026?
Twentynine Palms has a higher cost of living than average with a cost of living index of 136.8 (national average = 100). The property tax rate in California is 0.8%, which is below the national average. Twentynine Palms has a population of 28,065 and offers a balanced lifestyle.
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Twentynine Palms, California area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.