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
ADVERTISEMENT
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
ADVERTISEMENT
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
| Lender | Rating | Min Credit | Min Down |
|---|---|---|---|
| Rocket Mortgage | 4.5 | 580 | 1-3.5% |
| LoanDepot | 4.3 | 620 | 3% |
| UWM (United Wholesale) | 4.4 | 620 | 3% |
| Better.com | 4.2 | 640 | 3% |
| SoFi | 4.3 | 680 | 5% |
ADVERTISEMENT
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.