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San Diego

Current Mortgage Rates in San Diego, California

Compare mortgage rates and fees for leading lenders in San Diego, 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 San Diego.

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

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Mortgage Rates in San Diego, CA as of October 23, 2019
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Input your information to receive personalized mortgage quotes from preferred lenders. Comparing proposals from multiple lenders is the best way to save money on your mortgage.

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.

How Do Today's San Diego, CA Mortgage Rates Compare?

October 23, 2019

The current average rate for a 30 year fixed rate mortgage in San Diego 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
San Diego, CA Rates
National
Average
Comparison
30 Year Fixed Rate
A.AAA%
3.690%
15 Year Fixed Rate
B.BBB%
3.150%
5/1 Adjustable Rate Mortgage
C.CCC%
3.350%

How Affordable is Housing in San Diego, California?

The median home value for San Diego, CA is $615,106

The median household income for San Diego, CA is $72,746

Based on current mortgage rates and a 10% down payment, you need to make $114,121 per year to buy the median priced home in San Diego

The home price you can afford to buy based on household income in San Diego is 64% of the median home value which means housing prices are very expensive

San Diego ranks 45 out of 58 counties in California and 3,116 out of 3,142 counties in the United States for housing affordability.

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

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Loan Limits for San Diego, California

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

Conforming loan limits for San Diego, CA

1 unit: $690,000
2 units: $883,300
3 units: $1,067,750
4 units: $1,326,950

FHA loan limits for San Diego, CA

1 unit: $690,000
2 units: $883,300
3 units: $1,067,750
4 units: $1,326,950

VA loan limits for San Diego, CA

1 unit: $690,000

Additional Mortgage Resources for San Diego, CA Residents

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Sources

US Census Bureau American Community Survey: https://www.census.gov/programs-surveys/acs

FHFA House Price Index: https://www.fhfa.gov/DataTools/Downloads/Pages/House-Price-Index-Datasets.aspx#qat

Income Growth: https://www.bls.gov

National Average Rates: http://www.freddiemac.com/pmms/

Conforming Loan Limits: https://www.fhfa.gov/DataTools/Downloads/Pages/Conforming-Loan-Limits.aspx

FHA Loan Limits: https://entp.hud.gov/idapp/html/hicostlook.cfm

VA Loan Limits: https://www.benefits.va.gov/homeloans/purchaseco_loan_limits.asp

FREEandCLEAR Housing Affordability Index