Check Latest Mortgage Rates for San Diego in April 2026
San Diego is a major metropolitan market in California, the United States, with a median home price of approximately $875,000. Below you'll find the latest estimated mortgage rates for San Diego, 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.
San Diego Mortgage Rates
Estimated rates as of 2026-04-04
| Product | Rate | APR | Points | Monthly / $100K |
|---|---|---|---|---|
| 30-Year Fixed | 6.60% | 6.72% | 0.7 | $639 |
| 15-Year Fixed | 5.85% | 5.95% | 0.5 | $836 |
| 5/1 ARM | 6.10% | 6.25% | 0.4 | $606 |
| FHA 30-Year | 6.30% | 6.48% | 0.3 | $619 |
| VA 30-Year | 6.00% | 6.08% | 0.0 | $600 |
| Jumbo 30-Year | 6.80% | 6.90% | 0.8 | $652 |
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.
San Diego Mortgage Market Overview
The San Diego housing market in California represents one of the most competitive mortgage lending markets in the United States. With a median home price of $875,000, buyers in San Diego have access to a range of mortgage products from both national and local lenders.
As a major metropolitan area, San Diego benefits from intense lender competition, which often translates to slightly more favorable mortgage rates compared to smaller markets. Jumbo loans are particularly common here due to higher property values, and buyers may find special incentives from lenders competing for market share.
When comparing mortgage rates in San Diego, 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 San Diego, 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 San Diego
Mortgage rates in San Diego, 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.
Mortgage rates in San Diego tend to be slightly below the national average due to intense lender competition in the metro area. The rates displayed on this page reflect San Diego-specific market conditions. For the most competitive rate, we recommend comparing offers from at least 3-5 lenders.
Most lenders in San Diego require a minimum credit score of 620 for conventional loans, though you'll get the best rates with a score of 740 or higher. FHA loans may be available with scores as low as 580. Given the median home price of $875,000 in San Diego, maintaining a strong credit score can save you tens of thousands of USD over the life of your loan through a lower interest rate.
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Use current San Diego rates with our free mortgage calculator to see your exact monthly payment, interest costs, and amortization schedule.