Mortgage Rates in San Diego, California: 2026 Guide
Current mortgage rates in San Diego, California. Average 30-year fixed: 6.68%. Median home price: $820,000.
Current Mortgage Rates in San Diego
| Loan Type | Rate | APR | Monthly Payment* |
|---|---|---|---|
| 30-Year Fixed | 6.68% | 6.760% | $4,224/mo |
| 15-Year Fixed | 6.16% | 6.230% | $5,593/mo |
| 5/1 ARM | 6.06% | 6.410% | $3,958/mo |
* Based on a loan amount of $656,000 with 20% down. Actual rates vary.
Median Home Prices in San Diego
The median home price in San Diego is $820,000, above the California state median of $775,000. Coastal neighborhoods like La Jolla and Pacific Beach command premium prices, while inland communities like Mira Mesa and Scripps Ranch offer more moderate options.
Cost of Living & Property Taxes
California’s property tax rate of 0.76% means annual property taxes of about $6,232 ($519/mo) on a median-priced home. Proposition 13 protects against rapid assessment increases.
San Diego Market Insights
San Diego’s housing market benefits from its Mediterranean climate, strong military presence, and growing biotech and tech sectors. Home prices have remained resilient, with the median hovering around $820,000. North County coastal communities like Carlsbad and Encinitas command premium prices, while inland areas like El Cajon and La Mesa offer more entry-level options. The market is competitive but slightly less frenzied than Los Angeles or San Francisco.