Mortgage Rates in Whittier, California — March 2026
Updated March 2026 | Based on Whittier market data and regional lending conditions
Whittier is a growing city in California with a population of 87,306. The current 30-year fixed mortgage rate in Whittier is 6.64%, which is 0.01% below the national average. With a median home price of $692,000 and a 20% down payment of $138,400, homebuyers can expect a monthly principal and interest payment of approximately $3,550.
Current Mortgage Rates in Whittier, CA
Below are the current average mortgage rates available in the Whittier 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% |
Whittier Housing Market Overview
The Whittier housing market is competitive with prices well above the national median. The median household income in Whittier is $73,200, and the cost of living index is 151 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $170,914 to comfortably afford the median-priced home in Whittier, which exceeds the current median household income.
Monthly Payment Breakdown for Whittier
Based on the median home price of $692,000 with 20% down ($138,400), here is what you can expect to pay monthly in Whittier:
15-Year vs. 30-Year Mortgage in Whittier
Choosing a 15-year mortgage in Whittier at 5.9% instead of a 30-year at 6.64% would save you $442,440 in total interest over the life of the loan. However, your monthly payment would be $4,642 instead of $3,550 — an increase of $1,092 per month.
Calculate Your Whittier 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 Whittier
What are the current mortgage rates in Whittier, CA?
As of March 2026, the average 30-year fixed mortgage rate in Whittier, 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 Whittier?
Based on the median home price of $692,000 with 20% down, the estimated monthly mortgage payment in Whittier is $3,550 for principal and interest. Including property taxes of $438/month, the total monthly housing cost is approximately $3,988.
What income do I need to buy a home in Whittier?
Using the 28% rule, you would need an annual income of approximately $170,914 to afford the median-priced home in Whittier at $692,000. The median household income in Whittier is $73,200. This means most households would need to either earn above the median or consider homes below $692,000.
Is Whittier a good place to buy a home in 2026?
Whittier has a higher cost of living than average with a cost of living index of 151 (national average = 100). The property tax rate in California is 0.76%, which is below the national average. Whittier has a population of 87,306 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 Whittier, California area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.