Mortgage Rates in California | Refinance Rates

From San Diego to Eureka, California home prices are famously high. That's why housing affordability can hinge on finding the lowest CA mortgage rates available from competing lenders.

HSH.com's data on current CA mortgage rates--available statewide and by metro area--can help you conduct preliminary research on home affordability and evaluate mortgage deals from various lenders.

California conventional mortgage

A conventional mortgage loan is generally a loan made using private mortgage money and not backed by a government entity, such as FHA, VA or USDA. Conventional mortgages are available in fixed rate and adjustable rate varieties and with a wide range of terms. A conventional loan that meets a number of specific criteria can be sold to Fannie Mae or Freddie Mac and is known as conventional conforming mortgage.

2024 Conforming loan limits for California

County Name	One Family	Two Family	Three Family	Four Family

Alameda County	One Family$1,209,750	Two Family$1,548,975	Three Family$1,872,225	Four Family$2,326,875
Alpine County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Amador County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Butte County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Calaveras County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Colusa County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Contra Costa County	One Family$1,209,750	Two Family$1,548,975	Three Family$1,872,225	Four Family$2,326,875
Del Norte County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
El Dorado County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Fresno County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Glenn County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Humboldt County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Imperial County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Inyo County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Kern County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Kings County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Lake County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Lassen County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Los Angeles County	One Family$1,209,750	Two Family$1,548,975	Three Family$1,872,225	Four Family$2,326,875
Madera County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Marin County	One Family$1,209,750	Two Family$1,548,975	Three Family$1,872,225	Four Family$2,326,875
Mariposa County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Mendocino County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Merced County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Modoc County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Mono County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Monterey County	One Family$970,600	Two Family$1,242,550	Three Family$1,501,950	Four Family$1,866,600
Napa County	One Family$1,017,750	Two Family$1,302,900	Three Family$1,574,900	Four Family$1,957,250
Nevada County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Orange County	One Family$1,209,750	Two Family$1,548,975	Three Family$1,872,225	Four Family$2,326,875
Placer County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Plumas County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Riverside County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Sacramento County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
San Benito County	One Family$1,209,750	Two Family$1,548,975	Three Family$1,872,225	Four Family$2,326,875
San Bernardino County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
San Diego County	One Family$1,077,550	Two Family$1,379,450	Three Family$1,667,450	Four Family$2,072,250
San Francisco County	One Family$1,209,750	Two Family$1,548,975	Three Family$1,872,225	Four Family$2,326,875
San Joaquin County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
San Luis Obispo County	One Family$967,150	Two Family$1,238,150	Three Family$1,496,600	Four Family$1,859,950
San Mateo County	One Family$1,209,750	Two Family$1,548,975	Three Family$1,872,225	Four Family$2,326,875
Santa Barbara County	One Family$913,100	Two Family$1,168,950	Three Family$1,413,000	Four Family$1,756,000
Santa Clara County	One Family$1,209,750	Two Family$1,548,975	Three Family$1,872,225	Four Family$2,326,875
Santa Cruz County	One Family$1,178,750	Two Family$1,509,050	Three Family$1,824,050	Four Family$2,266,900
Shasta County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Sierra County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Siskiyou County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Solano County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Sonoma County	One Family$897,000	Two Family$1,148,350	Three Family$1,388,050	Four Family$1,725,050
Stanislaus County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Sutter County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Tehama County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Trinity County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Tulare County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Tuolumne County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Ventura County	One Family$1,017,750	Two Family$1,302,900	Three Family$1,574,900	Four Family$1,957,250
Yolo County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Yuba County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250

Mortgage Rates in California | Refinance Rates | HSH Lender Showcase

California Mortgages

California conventional mortgage

2024 Conforming loan limits for California

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