San Diego, CA Mortgage Rates
Live Mortgage Rates in San Diego, California
6.490%
San Diego Conventional Purchase benchmark (80% LTV, 780 FICO), updated Thursday, November 5, 2026 at 3:15 PM UTC
Sourced live from hundreds of wholesale lenders serving San Diego and California
San Diego Benchmark Rates
Lowest available rate with no discount points paid in San Diego, CA for each standard scenario, sourced live
| Scenario | Rate (no points) | APR |
|---|---|---|
Conventional Conventional Purchase (80% LTV, 780 FICO) · San Diego, CA | 6.490% | 6.529% |
FHA FHA Purchase (96.5% LTV, 680 FICO) · San Diego, CA | 5.990% | 6.025% |
VA VA Purchase (100% LTV, 680 FICO) · San Diego, CA | 6.125% | 6.155% |
2026 Loan Limits in California
Conforming
$832,750 baseline
High-cost California counties go up to $1,249,125 - San Diego 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 San Diego Mortgage Rates
The rates shown above reflect the lowest available wholesale pricing for a San Diego, 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 San Diego property.
Your specific San Diego 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.
San Diego 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 San Diego mortgage rate
The rates above are the market benchmark for San Diego. Your actual rate depends on your scenario.