Sacramento, CA Mortgage Rates
Live Mortgage Rates in Sacramento, California
6.490%
Sacramento Conventional Purchase benchmark (80% LTV, 780 FICO), updated Thursday, November 5, 2026 at 3:03 PM UTC
Sourced live from hundreds of wholesale lenders serving Sacramento and California
Sacramento Benchmark Rates
Lowest available rate with no discount points paid in Sacramento, CA for each standard scenario, sourced live
| Scenario | Rate (no points) | APR |
|---|---|---|
Conventional Conventional Purchase (80% LTV, 780 FICO) · Sacramento, CA | 6.490% | 6.529% |
FHA FHA Purchase (96.5% LTV, 680 FICO) · Sacramento, CA | 5.990% | 6.025% |
VA VA Purchase (100% LTV, 680 FICO) · Sacramento, CA | 6.125% | 6.155% |
2026 Loan Limits in California
Conforming
$832,750 baseline
High-cost California counties go up to $1,249,125 - Sacramento may qualify depending on the specific property county.
FHA
$541,287
Standard FHA limit. Select high-cost California counties allow more, up to $1,249,125 - check your specific county.
About Sacramento Mortgage Rates
The rates shown above reflect the lowest available wholesale pricing for a Sacramento, California homebuyer at the time of the snapshot. Rate Direct pulls pricing from hundreds of lenders serving California and refreshes hourly, so the numbers stay close to what a licensed mortgage broker could actually source for a Sacramento property.
Your specific Sacramento rate depends on credit score, loan amount, property type (single-family vs multi-unit vs condo), loan-to-value, and loan purpose. A 780 FICO buyer at 80% LTV will price materially better than a 680 FICO buyer at 95% LTV. To see your exact rate across the full California lender network, use the Rate Direct pricer.
Sacramento buyers also have access to FHA, VA, and USDA programs with lower down payments and more flexible credit guidelines. For down payment assistance specific to California, see the California DPA guide.
Get your personalized Sacramento mortgage rate
The rates above are the market benchmark for Sacramento. Your actual rate depends on your scenario.