Check Latest Mortgage Rates for Long Beach in April 2026
Long Beach is a significant urban market in California, the United States, with a median home price of approximately $750,000. Below you'll find the latest estimated mortgage rates for Long Beach, updated daily to reflect current lending conditions. Use these rates alongside our free calculators to estimate your monthly payment, compare loan types, and plan your home purchase or refinance with confidence.
Long Beach Mortgage Rates
Estimated rates as of 2026-04-04
| Product | Rate | APR | Points | Monthly / $100K |
|---|---|---|---|---|
| 30-Year Fixed | 6.43% | 6.55% | 0.7 | $627 |
| 15-Year Fixed | 5.68% | 5.78% | 0.5 | $827 |
| 5/1 ARM | 5.93% | 6.08% | 0.4 | $595 |
| FHA 30-Year | 6.13% | 6.31% | 0.3 | $608 |
| VA 30-Year | 5.83% | 5.91% | 0.0 | $589 |
| Jumbo 30-Year | 6.63% | 6.73% | 0.8 | $641 |
Rates shown are estimated averages based on current market conditions and may vary by lender, credit score, loan amount, and property type. Contact a licensed mortgage professional for personalized rate quotes.
Long Beach Mortgage Market Overview
The Long Beach housing market in California represents a well-established lending market in the United States. With a median home price of $750,000, buyers in Long Beach have access to a range of mortgage products from both national and local lenders.
Long Beach's housing market offers a balance of urban amenities and relatively competitive lending, with multiple banks, credit unions, and online lenders actively serving the area. Buyers typically find a healthy mix of conventional, FHA, and VA loan options at competitive rates.
When comparing mortgage rates in Long Beach, remember that your actual rate depends on several factors including your credit score, down payment amount, debt-to-income ratio, and the property type. Rates shown on this page reflect market-wide averages and may differ from the specific rate you're offered.
For the most accurate picture of your mortgage costs in Long Beach, California, we recommend using our free mortgage payment calculator alongside these rates. This combination gives you a realistic understanding of both the interest rate landscape and your actual monthly payment obligation.
Frequently Asked Questions About Mortgages in Long Beach
Mortgage rates in Long Beach, California are updated daily on this page. As of today, rates vary by loan type — for example, fixed-rate mortgages and adjustable-rate products will have different rates. Scroll up to our rate table for the most current figures. Remember that individual lender quotes may differ based on your credit profile and loan amount.
Closing costs in Long Beach, California typically range from 2% to 5% of the purchase price. On the median-priced home of $750,000, that's approximately $18,750 to $37,500. These costs include lender fees, title insurance, appraisal, property taxes, and government recording fees. Use our Closing Costs Estimator for a detailed breakdown specific to your situation.
With a median home price of $750,000 in Long Beach, a conventional 20% down payment would be approximately $150,000. However, many loan programs require less — FHA loans allow as little as 3.5% down ($26,250), and VA loans often require zero down payment for eligible veterans.
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Use current Long Beach rates with our free mortgage calculator to see your exact monthly payment, interest costs, and amortization schedule.