Compare Fresno, CA mortgage rates and fees from top lenders. Review free, personalized mortgage rates based on your specifc loan amount, program and other factors. Easily compare APRs, closing costs and monthly payments to find the lowest mortgage rates in Fresno.
We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in Fresno. Plus, shopping lenders is free and there is no obligation.
August 22, 2025
Below we provide helpful information on the real estate market, home prices and housing affordability in Fresno. Understand how much you need to earn to afford a home in Fresno, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Fresno fits your budget. This information is based on proprietary analysis you can only find on FREEandCLEAR and we offer it to help you decide if living in Fresno is right for you.
The median home value for Fresno, CA is $370,289
Based on current mortgage rates and a 10% down payment, you need to make $77,248 per year to buy the median priced home in Fresno
With this income, you could qualify for a $333,260 mortgage, assuming your monthly debt expense is reasonable
Based on this loan amount, the monthly mortgage payment required to buy the median priced home in Fresno is $1,789
The median household income for Fresno, CA is $64,585
Based on this income, you can afford a home valued at approximately $309,590
The home price you can afford to buy based on household income in Fresno is 84% of the median home value which means housing prices are expensive. Fresno ranks 21 out of 58 counties in California and 2,968 out of 3,142 counties in the United States for housing affordability.
According to the FREEandCLEAR Housing Affordability Index, the housing market in Fresno, CA is expensive
Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Fresno below.
Conforming loan limits for Fresno, CA
FHA loan limits for Fresno, CA