Compare Current Sonoma, California Mortgage Rates

Compare Sonoma, 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 Sonoma.

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

Sonoma, CA Mortgage Rates as of September 24, 2023
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6.118% APR Rate: 5.875%
15 Yr Fixed15 Yr Fixed
Points: 1.000
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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Data provided by Icanbuy. Payments do not include amounts for taxes and insurance premiums. Read through our lender table disclaimer for more information on rates and product details.

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Compare Today's Sonoma, CA Mortgage Rates

September 24, 2023

Current mortgage rates in Sonoma, 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
Sonoma, CA Rates
30 Year Fixed Rate
15 Year Fixed Rate
5/1 Adjustable Rate Mortgage

How Affordable is Housing in Sonoma, California?

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

The median home value for Sonoma, CA is $783,165

Based on current mortgage rates and a 10% down payment, you need to make $163,381 per year to buy the median priced home in Sonoma

With this income, you could qualify for a $704,849 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 Sonoma is $3,784

The median household income for Sonoma, CA is $95,672

Based on this income, you can afford a home valued at approximately $458,602

The home price you can afford to buy based on household income in Sonoma is 59% of the median home value which means housing prices are very expensive. Sonoma ranks 45 out of 58 counties in California and 3,113 out of 3,142 counties in the United States for housing affordability.

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


Loan Limits for Sonoma, California

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

Conforming loan limits for Sonoma, CA

1 unit: $861,350
2 units: $1,102,700
3 units: $1,332,900
4 units: $1,656,450

FHA loan limits for Sonoma, CA

1 unit: $861,350
2 units: $1,102,700
3 units: $1,332,900
4 units: $1,656,450

VA loan limits for Sonoma, CA

1 unit: $861,350

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