Current Mortgage Rates in Oxnard, California

Compare mortgage rates and fees for leading lenders in Oxnard, 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 Oxnard.

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

Mortgage Rates in Oxnard, CA as of September 22, 2020

FREEandCLEAR Exlusive Lender

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2.622% APR Rate: 2.500%
30 Yr Fixed30 Yr Fixed
Points: 1.0
Rate Lock: 60 days
NMLS: 357085  LICENSE: CA 00532825
Terms & Conditions
Ask about no closing cost options
Rate Lock
60 days
NMLS: 357085
LICENSE: CA 00532825

Terms & Conditions
Ask about no closing cost options
Loan terms assume conforming mortgage amount, 80% LTV ratio and minimum borrower credit score of 740. Purchases and rate and term refinances only. $150,000 minimum mortgage amount. Borrower is responsible for $995 lender fee. Loan terms are subject to change without notice.
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Data provided by Brown Bag Marketing, Inc. Payments do not include amounts for taxes and insurance premiums. Read through our lender table disclaimer for more on rates and product details.


How Do Today's Oxnard, CA Mortgage Rates Compare?

September 22, 2020

The current average rate for a 30 year fixed rate mortgage in Oxnard 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
Oxnard, CA Rates
30 Year Fixed Rate
15 Year Fixed Rate
5/1 Adjustable Rate Mortgage

How Affordable is Housing in Oxnard, California?

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

The median home value for Oxnard, CA (Ventura County) is $653,146

Based on current mortgage rates and a 10% down payment, you need to make $117,549 per year to buy the median priced home in Oxnard

With this income, you could qualify for a $587,831 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 Oxnard is $2,722

The median household income for Oxnard, CA (Ventura County) is $86,451

Based on this income, you can afford a home valued at approximately $480,353

The home price you can afford to buy based on household income in Oxnard is 74% of the median home value which means housing prices are very expensive. Oxnard (Ventura County) ranks 38 out of 58 counties in California and 3,101 out of 3,142 counties in the United States for housing affordability.

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


Loan Limits for Oxnard, California

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

Conforming loan limits for Oxnard, CA

1 unit: $713,000
2 units: $912,750
3 units: $1,103,350
4 units: $1,371,150

FHA loan limits for Oxnard, CA

1 unit: $713,000
2 units: $912,750
3 units: $1,103,350
4 units: $1,371,150

VA loan limits for Oxnard, CA

1 unit: $713,000

Additional Mortgage Resources for Oxnard, CA Residents

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