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Mortgage Calculator Pro
Live Rates
30-Year Fixed6.625%-0.125|15-Year Fixed5.875%-0.063|30-Year FHA6.375%-0.125|30-Year VA6.125%-0.063|5/1 ARM6.125%0.000|7/1 ARM6.250%+0.063|30-Year Jumbo7.125%-0.188|15-Year Jumbo6.625%-0.125|CA Avg6.550%-0.080|TX Avg6.720%+0.050|FL Avg6.680%-0.030|NY Avg6.500%-0.100|PA Avg6.450%-0.050|IL Avg6.580%+0.020|OH Avg6.380%-0.070|GA Avg6.650%0.000|NC Avg6.520%-0.040|MI Avg6.480%-0.060|AZ Avg6.600%+0.030|WA Avg6.420%-0.090|30-Year Fixed6.625%-0.125|15-Year Fixed5.875%-0.063|30-Year FHA6.375%-0.125|30-Year VA6.125%-0.063|5/1 ARM6.125%0.000|7/1 ARM6.250%+0.063|30-Year Jumbo7.125%-0.188|15-Year Jumbo6.625%-0.125|CA Avg6.550%-0.080|TX Avg6.720%+0.050|FL Avg6.680%-0.030|NY Avg6.500%-0.100|PA Avg6.450%-0.050|IL Avg6.580%+0.020|OH Avg6.380%-0.070|GA Avg6.650%0.000|NC Avg6.520%-0.040|MI Avg6.480%-0.060|AZ Avg6.600%+0.030|WA Avg6.420%-0.090|
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California Mortgage Rates Today

Compare current California mortgage rates. Home prices, property taxes, and first-time buyer programs for the Golden State.

Last updated: June 10, 2026

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30-Year Fixed
6.68%
+0.02
15-Year Fixed
6.18%
0.00
30-Year FHA
5.4%
-0.01
5/1 ARM
6.1%
+0.02

California Mortgage Calculator

Monthly Payment
$4,575
Loan Amount
$620,000
Total Interest
$817,301
Property Tax/mo
$433
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Rates by County

Los Angeles County

Median Home:$913,236
Tax Rate:0.67%
Est. Monthly:$5,353

San Diego County

Median Home:$846,600
Tax Rate:0.7%
Est. Monthly:$4,850

San Francisco County

Median Home:$1,343,700
Tax Rate:0.64%
Est. Monthly:$7,200

San Jose County

Median Home:$1,200,000
Tax Rate:0.65%
Est. Monthly:$6,500

Sacramento County

Median Home:$536,600
Tax Rate:0.78%
Est. Monthly:$2,900

Fresno County

Median Home:$421,223
Tax Rate:0.79%
Est. Monthly:$2,469

First-Time Buyer Programs

CalHFA MyHome Assistance

Deferred-payment junior loan up to 3.5% of purchase price for down payment and closing costs.

  • • Must be first-time homebuyer
  • • Income limits apply (varies by county)
  • • Homebuyer education required
  • • FHA or Conventional first loan

CalHFA ZIP (Zero Interest)

Zero-interest, deferred-payment loan for closing costs up to 3% of purchase price.

  • • No monthly payments
  • • Repaid when home is sold or refinanced
  • • Can combine with MyHome Assistance
  • • Available with CalHFA first mortgages

Top Mortgage Lenders in California

LenderRatingMin CreditMin Down
Rocket Mortgage4.55801-3.5%
LoanDepot4.36203%
UWM (United Wholesale)4.46203%
Better.com4.26403%
SoFi4.36805%
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California Mortgage Tips

  • 1. Property taxes average 0.67% of home value annually but vary by county.
  • 2. Home prices are among the highest in the nation — consider FHA loans with 3.5% down.
  • 3. CalHFA programs can cover your down payment and closing costs if you qualify.
  • 4. Competition is fierce — get pre-approved before shopping. In competitive markets, waiving contingencies may be necessary.
  • 5. Consider our Mortgage Calculator to estimate your monthly payment with California-specific taxes.