Mortgage Rates in Sacramento, CA: Today's Averages & 2026 Outlook
Sacramento 30-year fixed rates are running around 6.85% — roughly in line with the national average of 6.85%. Here's how Sacramento rates stack up, what drives the metro spread, and the payment math on a typical Sacramento home.
Today's Sacramento rates by loan type
Estimates for Sacramento based on the current national 30-year average of 6.85% plus the metro's typical spread (+0 bps). Live national rate sourced daily from Freddie Mac PMMS. Your actual quote will depend on your credit, down payment, and lender.
What drives Sacramento mortgage rates
The national 30-year average sets the floor for every Sacramento lender. But the $Sacramento-Roseville-Folsom metro typically prices right at that national benchmark because of local dynamics.
Local market read. Bay Area transplant market; jumbo share solid, new-construction rebounding.
Who's lending. National non-banks and California credit unions compete.
Median deal size. A typical Sacramento loan is around $505,000 on a $585,000 home. That sits well inside conforming loan limits, so most Sacramento buyers get standard agency pricing.
What a typical Sacramento payment looks like
| Line item | Estimate |
|---|---|
| Median home price (Sacramento-Roseville-Folsom) | $585,000 |
| Median loan amount | $505,000 |
| 30-yr rate (Sacramento avg) | 6.85% |
| Monthly principal & interest | $3,309 |
| Est. full PITI (add ~30% for taxes/insurance) | ~$4,302 |
Directional math for Sacramento in 2026. Add property taxes, homeowners insurance, PMI (if less than 20% down), and any HOA dues for full monthly cost. Our mortgage calculator lets you plug in your exact numbers.
More on buying in California
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We'll match you with vetted Sacramento-area lenders competing for your loan. Compare real Loan Estimates side-by-side — the same Sacramento buyer can save $2,000–$5,000+ over the life of the loan by shopping three quotes.
Sacramento mortgage rates: FAQ
What is today's mortgage rate in Sacramento, CA?▾
The average 30-year fixed mortgage rate in Sacramento is around 6.85% — 15-year fixed near 6.1%, FHA around 6.6%, VA around 6.5%. That's roughly in line with the current US 30-year average of 6.85%. Your actual rate depends on credit score, down payment, loan type, and lender competition — always compare Loan Estimates from at least three lenders.
How do Sacramento mortgage rates compare to the national average?▾
Sacramento rates typically sit at the US 30-year average. The metro spread reflects local lender competition, loan mix, and property-tax/insurance dynamics specific to the Sacramento-Roseville-Folsom area.
What's the median home price in Sacramento?▾
The median home price in the Sacramento-Roseville-Folsom metro is about $585,000, with a typical loan amount of $505,000 at conventional LTVs. At today's 6.85% rate, principal and interest on that loan runs about $3,309/month — before property taxes, homeowners insurance, and (if applicable) PMI or HOA dues.
Who are the top lenders in Sacramento?▾
National non-banks and California credit unions compete. You'll get the best rate by comparing at least three Loan Estimates — a mix of a national non-bank lender, a local credit union, and (for higher loan amounts) a portfolio bank tends to reveal the best pricing for your specific profile.
Should I lock my rate now or wait in Sacramento?▾
Bay Area transplant market; jumbo share solid, new-construction rebounding. On rate timing itself, no one can call the exact peak or trough — but if the payment on your target Sacramento home works today at 6.85%, locking and refinancing later if rates fall is a well-worn playbook. Our Right-Time-to-Buy tool models the wait-vs-buy math for you.