California mortgage rates and costs by county, 2025
Median figures from closed, first-lien, owner-occupied home loans reported under HMDA. Each county page breaks the numbers down by lender. Counties with fewer than 5 qualifying loans are not listed; see the methodology.
| County | Purchase loans | Median rate | Median total costs | Refinance rate |
|---|---|---|---|---|
| Los Angeles County | 33,968 | 6.5% | $11,253 | 6.25% |
| Riverside County | 19,822 | 6.374% | $11,699 | 6.125% |
| San Diego County | 18,020 | 6.375% | $9,739 | 6.123% |
| San Bernardino County | 13,920 | 6.375% | $11,902 | 6.125% |
| Orange County | 12,978 | 6.5% | $9,294 | 6.125% |
| Sacramento County | 12,244 | 6.375% | $7,234 | 6.125% |
| Santa Clara County | 9,273 | 6% | $5,553 | 5.75% |
| Alameda County | 8,403 | 6.375% | $7,757 | 5.99% |
| Contra Costa County | 7,734 | 6.418% | $8,606 | 6.125% |
| Kern County | 6,940 | 6.25% | $10,714 | 6.125% |
| San Joaquin County | 6,068 | 6.25% | $8,589 | 6.125% |
| Fresno County | 5,986 | 6.375% | $10,133 | 6.125% |
| Placer County | 4,803 | 6.375% | $6,706 | 6.125% |
| Ventura County | 4,486 | 6.5% | $9,401 | 6.25% |
| San Mateo County | 3,639 | 6.125% | $8,058 | 5.99% |
| Solano County | 3,597 | 6.375% | $10,039 | 6.125% |
| Stanislaus County | 3,494 | 6.375% | $11,019 | 6.125% |
| San Francisco County | 3,444 | 6.25% | $7,692 | 6% |
| Tulare County | 3,162 | 6.25% | $11,195 | 6.25% |
| Sonoma County | 2,924 | 6.55% | $8,151 | 6.374% |
| El Dorado County | 1,916 | 6.5% | $7,120 | 6.125% |
| Santa Barbara County | 1,757 | 6.5% | $8,841 | 6.125% |
| Madera County | 1,750 | 6.125% | $11,136 | 6.125% |
| Merced County | 1,631 | 6.375% | $11,295 | 6.125% |
| Butte County | 1,599 | 6.5% | $7,119 | 6.25% |
| San Luis Obispo County | 1,597 | 6.624% | $6,889 | 6.125% |
| Shasta County | 1,559 | 6.5% | $8,669 | 6.25% |
| Monterey County | 1,466 | 6.5% | $11,016 | 6.25% |
| Marin County | 1,394 | 6.375% | $8,097 | 6.125% |
| Yolo County | 1,207 | 6.49% | $6,868 | 6.125% |
| Kings County | 1,151 | 6.125% | $10,675 | 6% |
| Santa Cruz County | 1,114 | 6.55% | $7,056 | 6.375% |
| Yuba County | 1,107 | 6.124% | $10,679 | 6.124% |
| Nevada County | 917 | 6.624% | $6,308 | 6.25% |
| Imperial County | 783 | 6.49% | $12,345 | 6.25% |
| Humboldt County | 685 | 6.5% | $9,089 | 6.375% |
| Napa County | 663 | 6.49% | $8,550 | 6.375% |
| Sutter County | 564 | 6.375% | $8,648 | 6.25% |
| Lake County | 533 | 6.624% | $7,971 | 6.375% |
| San Benito County | 518 | 6.375% | $10,854 | 6.25% |
| Calaveras County | 465 | 6.625% | $8,449 | 6.25% |
| Tuolumne County | 460 | 6.625% | $7,043 | 6.25% |
| Tehama County | 409 | 6.525% | $9,226 | 6.375% |
| Mendocino County | 388 | 6.625% | $8,351 | 6.25% |
| Amador County | 383 | 6.5% | $7,987 | 6.125% |
| Siskiyou County | 295 | 6.625% | $6,698 | 6.375% |
| Lassen County | 193 | 6.5% | $7,774 | 6.375% |
| Plumas County | 162 | 6.5% | $9,506 | 6.433% |
| Glenn County | 155 | 6.25% | $9,599 | 6.125% |
| Del Norte County | 150 | 6.48% | $9,425 | 6.125% |
| Mariposa County | 122 | 6.5% | $9,384 | 6.125% |
| Colusa County | 108 | 6.625% | $8,149 | 6.125% |
| Inyo County | 94 | 6.625% | $6,330 | 6.188% |
| Mono County | 85 | 6.75% | $6,772 | 6.562% |
| Trinity County | 64 | 6.625% | $7,944 | 6.249% |
| Modoc County | 43 | 6.625% | $6,494 | 6.25% |
| Sierra County | 13 | 6.5% | $7,820 | 6.438% |
| Alpine County | 7 | 6.575% | $4,773 | 6.808% |
Purchase loans sorted by loan count. Medians describe what closed loans looked like, under those borrowers' profiles and loan sizes; they are not quotes. Source: FFIEC HMDA Modified LAR, filing year 2025.