What are current mortgage rates in California?

30-year fixed rates across California currently average around 6.75%. Local credit unions and online lenders sometimes beat the average — use the calculator above to model, then request a custom quote.

What is the average mortgage payment in California?

On an average-priced California home with 20% down, the typical monthly payment including taxes and insurance is approximately $4,327.

How much do I need to put down on a house in California?

It depends on the loan program. Conventional: 5-20%. FHA: 3.5%. VA and USDA: 0% for eligible borrowers.

Are property taxes high in California?

California's average property tax rate is around 0.75%, which is below the national average of ~1.1%.

What credit score do I need to buy a home in California?

Conventional loans typically require 620+. FHA accepts 580+ with 3.5% down. The higher your score, the better your rate.

Home Loan Types Refinance California

California Refinance Calculator

Compare Refinance options across California with local taxes and median prices baked in. Get a personalized rate quote in 2 minutes.

Home value ($)Mortgage balance ($)Current mortgage rate (%)Example new rate (%)Example closing costs ($)ZIP code

Example new principal & interest

$3,751/month

Example monthly savings: $356

Simple break-even: 15 months

30-year illustration excluding taxes, insurance and fees. Extending a loan term can reduce payments but increase total interest. Equity and loan approval are determined by a lender.

California Refinance Calculator

Example new principal & interest

See your real rate for this payment

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Refinance calculators by city in California

Frequently asked questions

What are current mortgage rates in California?

What is the average mortgage payment in California?

How much do I need to put down on a house in California?

Are property taxes high in California?

What credit score do I need to buy a home in California?

Get your custom California refinance rate today