Safe Rate Local
Learn about the people, housing, costs and businesses across California
Select a topic to explore real data for California.
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in California.
Estimate payments for homes in California.
People, housing & businesses in California.
Find and compare lenders active near California.
Homeowners, flood & wildfire estimates for California.
Income, rent and all-in ownership costs for California.
FEMA flood zones and flood insurance estimates for California.
Seismic risk and earthquake insurance estimates for California.
Wildfire exposure and insurance estimates for California.
As of today, the 30-year fixed mortgage rate for California is approximately 6.570% (6.623% APR). Rates vary based on your credit score, loan type, down payment, and other factors. Safe Rate updates rates daily using live investor pricing.
View current rates for CaliforniaThe median home value in California is $814k. The median monthly rent is $2,196. Annual property taxes average $5k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in California have increased 11.7% over the past two years. This indicates a strong appreciation trend. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $2,239/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $96k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in California is $108k/year.
Calculate your buying powerThe largest employment sectors in California are public administration (22%) and healthcare (14%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.