Updated
May 08, 2023 Check out the latest average mortgage rates in California, covering both non-conventional and conventional mortgages. You can compare them to current national rates as well as historical interest rates for both California and the United States.
Current Mortgage Rates in CA
| Mortgage Type | Avg. CA Rate | National Rate |
| 30-Year Fixed | 4.34% | 3.60% |
| 15-Year Fixed | 3.43% | 3.05% |
| 30-Year 5/1 ARM | 3.92% | 3.36% |
| 30-Year 3/1 ARM | 3.90% | – |
| 30-Year 7/1 ARM | 3.92% | – |
| 30-Year 10/1 ARM | 4.03% | – |
Last update: 1/30/2020
Source: Consumer Financial Protection Bureau, Federal Reserve Bank of St. Louis
Non-Conventional Mortgage Rates in CA
| Mortgage Type | Avg. CA Rate |
| FHA 30-Year Fixed | 3.85% |
| FHA 15-Year Fixed | 3.81% |
| VA 30-Year Fixed | 3.92% |
| VA 15-Year Fixed | 3.90% |
Note: Last update: 1/30/2020
Source: Consumer Financial Protection Bureau
Historical Mortgage Rate Trends in CA
Source: Federal Housing Finance Agency Monthly Interest Rate Survey
Note: Adjustable mortgage rates excluded due to insufficient data.
Historical Mortgage Rate Trends in the U.S.
Source: Freddie Mac