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Orange County

Current Mortgage Rates in Orange County, California

Compare mortgage rates and fees for leading lenders in Orange County, 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 Orange County.

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

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Mortgage Rates in Orange County, CA as of April 5, 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 Orange County, CA Mortgage Rates Compare?

April 5, 2020

The current average rate for a 30 year fixed rate mortgage in Orange County 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
Orange County, 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 Orange County, California?

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

The median home value for Orange County, CA is $754,959

Based on current mortgage rates and a 10% down payment, you need to make $135,873 per year to buy the median priced home in Orange County

With this income, you could qualify for a $679,463 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 Orange County is $3,147

The median household income for Orange County, CA is $86,323

Based on this income, you can afford a home valued at approximately $479,644

The home price you can afford to buy based on household income in Orange County is 64% of the median home value which means housing prices are very expensive. Orange County ranks 46 out of 58 counties in California and 3,115 out of 3,142 counties in the United States for housing affordability.

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

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Loan Limits for Orange County, California

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

Conforming loan limits for Orange County, CA

1 unit: $765,600
2 units: $980,325
3 units: $1,184,925
4 units: $1,472,550

FHA loan limits for Orange County, CA

1 unit: $765,600
2 units: $980,325
3 units: $1,184,925
4 units: $1,472,550

VA loan limits for Orange County, CA

1 unit: $765,600

Additional Mortgage Resources for Orange County, CA Residents

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