Mortgage Rates in San Diego, CA: Today's Averages & 2026 Outlook
San Diego 30-year fixed rates are running around 6.83% — roughly 2 bps below the national average of 6.85%. Here's how San Diego rates stack up, what drives the metro spread, and the payment math on a typical San Diego home.
Today's San Diego rates by loan type
Estimates for San Diego based on the current national 30-year average of 6.85% plus the metro's typical spread (-2 bps). Live national rate sourced daily from Freddie Mac PMMS. Your actual quote will depend on your credit, down payment, and lender.
What drives San Diego mortgage rates
The national 30-year average sets the floor for every San Diego lender. But the $San Diego-Chula Vista-Carlsbad metro typically prices about 2 basis points below that national benchmark because of local dynamics.
Local market read. VA share elevated (large military presence); jumbo pricing often inside conforming.
Who's lending. VA specialists and jumbo portfolio lenders dominate.
Median deal size. A typical San Diego loan is around $700,000 on a $895,000 home. That sits at or above the conforming loan limit in higher-cost counties, where jumbo pricing kicks in.
What a typical San Diego payment looks like
| Line item | Estimate |
|---|---|
| Median home price (San Diego-Chula Vista-Carlsbad) | $895,000 |
| Median loan amount | $700,000 |
| 30-yr rate (San Diego avg) | 6.83% |
| Monthly principal & interest | $4,577 |
| Est. full PITI (add ~30% for taxes/insurance) | ~$5,950 |
Directional math for San Diego 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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San Diego mortgage rates: FAQ
What is today's mortgage rate in San Diego, CA?▾
The average 30-year fixed mortgage rate in San Diego is around 6.83% — 15-year fixed near 6.08%, FHA around 6.58%, VA around 6.48%. That's roughly 2 bps below 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 San Diego mortgage rates compare to the national average?▾
San Diego rates typically sit slightly below (about 2 bps lower than) the US 30-year average. The metro spread reflects local lender competition, loan mix, and property-tax/insurance dynamics specific to the San Diego-Chula Vista-Carlsbad area.
What's the median home price in San Diego?▾
The median home price in the San Diego-Chula Vista-Carlsbad metro is about $895,000, with a typical loan amount of $700,000 at conventional LTVs. At today's 6.83% rate, principal and interest on that loan runs about $4,577/month — before property taxes, homeowners insurance, and (if applicable) PMI or HOA dues.
Who are the top lenders in San Diego?▾
VA specialists and jumbo portfolio lenders dominate. 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 San Diego?▾
VA share elevated (large military presence); jumbo pricing often inside conforming. On rate timing itself, no one can call the exact peak or trough — but if the payment on your target San Diego home works today at 6.83%, 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.