Compare Current Yolo, California Mortgage Rates

Compare Yolo, 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 Yolo.

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

Yolo, 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 Yolo, CA Mortgage Rates

September 24, 2023

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

How Affordable is Housing in Yolo, California?

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

The median home value for Yolo, CA is $589,460

Based on current mortgage rates and a 10% down payment, you need to make $122,971 per year to buy the median priced home in Yolo

With this income, you could qualify for a $530,514 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 Yolo is $2,848

The median household income for Yolo, CA is $79,287

Based on this income, you can afford a home valued at approximately $380,061

The home price you can afford to buy based on household income in Yolo is 64% of the median home value which means housing prices are very expensive. Yolo ranks 39 out of 58 counties in California and 3,087 out of 3,142 counties in the United States for housing affordability.

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


Loan Limits for Yolo, California

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

Conforming loan limits for Yolo, CA

1 unit: $763,600
2 units: $977,550
3 units: $1,181,650
4 units: $1,468,500

FHA loan limits for Yolo, CA

1 unit: $763,600
2 units: $977,550
3 units: $1,181,650
4 units: $1,468,500

VA loan limits for Yolo, CA

1 unit: $763,600

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