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California Mortgage Rates and Refinance Rates: HSH Lender Showcase

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Mortgage Refinance rates in California

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4.750% Rate

30 Yr. Fixed

5.010% APR

$782 / month (est)

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Updated 12/11/2018

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5.750% Rate

30 Yr. Fixed

5.841% APR

$907 / month (est)

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Updated 12/13/2018

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5.375% Rate

30 Yr. Fixed

5.531% APR

$871 / month (est)

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Updated 12/13/2018

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California Mortgages

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.

For California, 33 counties have a conventional loan limit at $453,100, 11 counties are at $679,650 and the remaining 13 counties range from $463,450 to $648,600.

2018 Conventional loan limits for California

County NameOne-FamilyTwo-FamilyThree-FamilyFour-Family
Alameda$679,650$870,225$1,051,875$1,307,175
Alpine$463,450$593,300$717,150$891,250
Amador$453,100$580,150$701,250$871,450
Butte$453,100$580,150$701,250$871,450
Calaveras$453,100$580,150$701,250$871,450
Colusa$453,100$580,150$701,250$871,450
Contra Costa$679,650$870,225$1,051,875$1,307,175
Del Norte$453,100$580,150$701,250$871,450
El Dorado$517,500$662,500$800,800$995,200
Fresno$453,100$580,150$701,250$871,450
Glenn$453,100$580,150$701,250$871,450
Humboldt$453,100$580,150$701,250$871,450
Imperial$453,100$580,150$701,250$871,450
Inyo$453,100$580,150$701,250$871,450
Kern$453,100$580,150$701,250$871,450
Kings$453,100$580,150$701,250$871,450
Lake$453,100$580,150$701,250$871,450
Lassen$453,100$580,150$701,250$871,450
Los Angeles$679,650$870,225$1,051,875$1,307,175
Madera$453,100$580,150$701,250$871,450
Marin$679,650$870,225$1,051,875$1,307,175
Mariposa$453,100$580,150$701,250$871,450
Mendocino$453,100$580,150$701,250$871,450
Merced$453,100$580,150$701,250$871,450
Modoc$453,100$580,150$701,250$871,450
Mono$529,000$677,200$818,600$1,017,300
Monterey$615,250$787,650$952,050$1,183,200
Napa$679,650$870,225$1,051,875$1,307,175
Nevada$477,250$610,950$738,500$917,800
Orange$679,650$870,225$1,051,875$1,307,175
Placer$517,500$662,500$800,800$995,200
Plumas$453,100$580,150$701,250$871,450
Riverside$453,100$580,150$701,250$871,450
Sacramento$517,500$662,500$800,800$995,200
San Benito$679,650$870,225$1,051,875$1,307,175
San Bernardino$453,100$580,150$701,250$871,450
San Diego$649,750$831,800$1,005,450$1,249,550
San Francisco$679,650$870,225$1,051,875$1,307,175
San Joaquin$453,100$580,150$701,250$871,450
San Luis Obispo$615,250$787,650$952,050$1,183,200
San Mateo$679,650$870,225$1,051,875$1,307,175
Santa Barbara$625,500$800,775$967,950$1,202,925
Santa Clara$679,650$870,225$1,051,875$1,307,175
Santa Cruz$679,650$870,225$1,051,875$1,307,175
Shasta$453,100$580,150$701,250$871,450
Sierra$453,100$580,150$701,250$871,450
Siskiyou$453,100$580,150$701,250$871,450
Solano$460,000$588,850$711,800$884,600
Sonoma$648,600$830,300$1,003,650$1,247,300
Stanislaus$453,100$580,150$701,250$871,450
Sutter$453,100$580,150$701,250$871,450
Tehama$453,100$580,150$701,250$871,450
Trinity$453,100$580,150$701,250$871,450
Tulare$453,100$580,150$701,250$871,450
Tuolumne$453,100$580,150$701,250$871,450
Ventura$672,750$861,250$1,041,050$1,293,750
Yolo$517,500$662,500$800,800$995,200
Yuba$453,100$580,150$701,250$871,450