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Humboldt

Current Mortgage Rates in Humboldt, California

Compare mortgage rates and fees for leading lenders in Humboldt, CA. 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 lender offering the best mortgage rates in Humboldt.

We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in Humboldt. Plus, shopping lenders is free and there is no obligation.

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Mortgage Rates in Humboldt, CA as of April 2, 2020
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Data provided by Informa Research Services. Payments do not include amounts for taxes and insurance premiums. Click for more information on rates and product details.
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How Do Today's Humboldt, CA Mortgage Rates Compare?

April 2, 2020

The current average rate for a 30 year fixed rate mortgage in Humboldt is A.AAA%, the rate for a 15 year fixed rate mortgage is B.BBB% and the rate for a 5/1 adjustable rate mortgage (ARM) is C.CCC%

Mortgage Program
Today's
Humboldt, CA Rates
National
Average
Comparison
30 Year Fixed Rate
A.AAA%
3.650%
15 Year Fixed Rate
B.BBB%
3.090%
5/1 Adjustable Rate Mortgage
C.CCC%
3.390%

How Affordable is Housing in Humboldt, California?

Below we provide helpful information on the real estate market, home prices and housing affordability in Humboldt. Understand how much you need to earn to afford a home in Humboldt, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Humboldt 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 Humboldt is right for you.

The median home value for Humboldt, CA is $380,646

Based on current mortgage rates and a 10% down payment, you need to make $68,506 per year to buy the median priced home in Humboldt

With this income, you could qualify for a $342,582 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 Humboldt is $1,586

The median household income for Humboldt, CA is $46,107

Based on this income, you can afford a home valued at approximately $256,186

The home price you can afford to buy based on household income in Humboldt is 67% of the median home value which means housing prices are very expensive. Humboldt ranks 42 out of 58 counties in California and 3,108 out of 3,142 counties in the United States for housing affordability.

According to the FREEandCLEAR Housing Affordability Index, the housing market in Humboldt, CA is very expensive

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Loan Limits for Humboldt, California

Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Humboldt below.

Conforming loan limits for Humboldt, CA

1 unit: $510,400
2 units: $653,550
3 units: $789,950
4 units: $981,700

FHA loan limits for Humboldt, CA

1 unit: $345,000
2 units: $441,650
3 units: $533,850
4 units: $663,450

VA loan limits for Humboldt, CA

1 unit: $510,400

Additional Mortgage Resources for Humboldt, CA Residents

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