Mortgage Rates in Victorville, California — March 2026
Updated March 2026 | Based on Victorville market data and regional lending conditions
Victorville is a growing city in California with a population of 134,810. The current 30-year fixed mortgage rate in Victorville is 6.55%, which is 0.1% below the national average. With a median home price of $375,000 and a 20% down payment of $75,000, homebuyers can expect a monthly principal and interest payment of approximately $1,906.
Current Mortgage Rates in Victorville, CA
Below are the current average mortgage rates available in the Victorville 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 | 6.55% | 6.65% | -0.1% |
| 15-Year Fixed | 5.79% | 5.89% | -0.1% |
| 5/1 ARM | 6.05% | 6.15% | -0.1% |
| FHA | 6.15% | 6.25% | -0.1% |
| VA | 5.95% | 6.05% | -0.1% |
| Jumbo | 6.75% | 6.85% | -0.1% |
Victorville Housing Market Overview
The Victorville housing market reflects moderate demand with prices near the national average. The median household income in Victorville is $52,250, and the cost of living index is 102.5 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $91,886 to comfortably afford the median-priced home in Victorville, which exceeds the current median household income.
Monthly Payment Breakdown for Victorville
Based on the median home price of $375,000 with 20% down ($75,000), here is what you can expect to pay monthly in Victorville:
15-Year vs. 30-Year Mortgage in Victorville
Choosing a 15-year mortgage in Victorville at 5.79% instead of a 30-year at 6.55% would save you $236,520 in total interest over the life of the loan. However, your monthly payment would be $2,498 instead of $1,906 — an increase of $592 per month.
Calculate Your Victorville 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 Victorville
What are the current mortgage rates in Victorville, CA?
As of March 2026, the average 30-year fixed mortgage rate in Victorville, California is 6.55%, while the 15-year fixed rate is 5.79%. FHA loans average 6.15% and VA loans 5.95%. These rates are 0.1% below the national average of 6.65%.
How much is a monthly mortgage payment in Victorville?
Based on the median home price of $375,000 with 20% down, the estimated monthly mortgage payment in Victorville is $1,906 for principal and interest. Including property taxes of $238/month, the total monthly housing cost is approximately $2,144.
What income do I need to buy a home in Victorville?
Using the 28% rule, you would need an annual income of approximately $91,886 to afford the median-priced home in Victorville at $375,000. The median household income in Victorville is $52,250. This means most households would need to either earn above the median or consider homes below $375,000.
Is Victorville a good place to buy a home in 2026?
Victorville has a moderate cost of living with a cost of living index of 102.5 (national average = 100). The property tax rate in California is 0.76%, which is below the national average. Victorville has a population of 134,810 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 Victorville, California area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.