Mortgage Rates in Ukiah, California — March 2026
Updated March 2026 | Based on Ukiah market data and regional lending conditions
Ukiah is a growing city in California with a population of 16,265. The current 30-year fixed mortgage rate in Ukiah is 6.35%, which is 0.3% below the national average. With a median home price of $440,000 and a 20% down payment of $88,000, homebuyers can expect a monthly principal and interest payment of approximately $2,189.
Current Mortgage Rates in Ukiah, CA
Below are the current average mortgage rates available in the Ukiah 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 | 6.35% | 6.65% | -0.3% |
| 15-Year Fixed | 5.59% | 5.89% | -0.3% |
| 5/1 ARM | 5.85% | 6.15% | -0.3% |
| FHA | 5.95% | 6.25% | -0.3% |
| VA | 5.75% | 6.05% | -0.3% |
| Jumbo | 6.55% | 6.85% | -0.3% |
Ukiah Housing Market Overview
The Ukiah housing market reflects moderate demand with prices near the national average. The median household income in Ukiah is $42,000, and the cost of living index is 115 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $106,371 to comfortably afford the median-priced home in Ukiah, which exceeds the current median household income.
Monthly Payment Breakdown for Ukiah
Based on the median home price of $440,000 with 20% down ($88,000), here is what you can expect to pay monthly in Ukiah:
15-Year vs. 30-Year Mortgage in Ukiah
Choosing a 15-year mortgage in Ukiah at 5.59% instead of a 30-year at 6.35% would save you $267,300 in total interest over the life of the loan. However, your monthly payment would be $2,893 instead of $2,189 — an increase of $704 per month.
Calculate Your Ukiah 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 Ukiah
What are the current mortgage rates in Ukiah, CA?
As of March 2026, the average 30-year fixed mortgage rate in Ukiah, California is 6.35%, while the 15-year fixed rate is 5.59%. FHA loans average 5.95% and VA loans 5.75%. These rates are 0.3% below the national average of 6.65%.
How much is a monthly mortgage payment in Ukiah?
Based on the median home price of $440,000 with 20% down, the estimated monthly mortgage payment in Ukiah is $2,189 for principal and interest. Including property taxes of $293/month, the total monthly housing cost is approximately $2,482.
What income do I need to buy a home in Ukiah?
Using the 28% rule, you would need an annual income of approximately $106,371 to afford the median-priced home in Ukiah at $440,000. The median household income in Ukiah is $42,000. This means most households would need to either earn above the median or consider homes below $440,000.
Is Ukiah a good place to buy a home in 2026?
Ukiah has a moderate cost of living with a cost of living index of 115 (national average = 100). The property tax rate in California is 0.8%, which is below the national average. Ukiah has a population of 16,265 and offers a balanced lifestyle.
Mortgage Rates in Other California Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Ukiah, California area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.