Compare Current Oxnard, California Mortgage Rates

Compare Oxnard, 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 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.

Oxnard, CA Mortgage Rates as of July 19, 2024
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5.312% APR Rate: 5.125%
15 Yr Fixed15 Yr Fixed
Points: 1.50
Rate Lock: 30 days
NMLS: 357085  LICENSE: CA 00532825
Terms & Conditions
Ask about no closing cost options
Rate Lock
30 days
NMLS: 357085
LICENSE: CA 00532825

Terms & Conditions
Ask about no closing cost options
Loan terms assume conforming mortgage amount on single family residence, 80% LTV ratio and minimum borrower credit score of 740. $150,000 minimum mortgage amount. Borrower is responsible for $1,055 lender fee. Loan terms are subject to change without notice.
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Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Read through our lender table disclaimer for more information on rates and product details.

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Compare Today's Oxnard, CA Mortgage Rates

July 19, 2024

Current mortgage rates in Oxnard, CA are % for a 30 year fixed rate loan, % for a 15 year fixed loan and % for a 5/1 adjustable rate mortgage (ARM)

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 $762,173

Based on current mortgage rates and a 10% down payment, you need to make $159,002 per year to buy the median priced home in Oxnard

With this income, you could qualify for a $685,956 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 $3,682

The median household income for Oxnard, CA (Ventura County) is $97,862

Based on this income, you can afford a home valued at approximately $469,102

The home price you can afford to buy based on household income in Oxnard is 62% of the median home value which means housing prices are very expensive. Oxnard (Ventura County) ranks 43 out of 58 counties in California and 3,104 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: $948,750
2 units: $1,214,600
3 units: $1,468,150
4 units: $1,824,550

FHA loan limits for Oxnard, CA

1 unit: $948,750
2 units: $1,214,600
3 units: $1,468,150
4 units: $1,824,550

VA loan limits for Oxnard, CA

1 unit: $948,750

Additional Mortgage Resources for Oxnard, CA Residents

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