Cardiff By The Sea, California Mortgage Rates for October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Cardiff By The Sea, California mortgage rates from lenders serving California range from 5.00% to 9.50%, verified by MonitorBankRates as of October 28, 2026. Current 30-year fixed mortgage rates for Cardiff By The Sea, California borrowers from lenders serving California include Safe 1 Credit UnionSafe 1 Credit UnionA+5.0 ★Texas Ratio: 1.69%Rate verified Oct 26, 2026 at 6.00%, Educational Employees Credit UnionEducational Employees Credit UnionA+5.0 ★Texas Ratio: 0.58%Rate verified Oct 26, 2026 at 6.25%, Partners Federal Credit UnionPartners Federal Credit UnionA+5.0 ★Texas Ratio: 4.65%Rate verified Oct 23, 2026 at 6.482%, Sofi BankSofi BankA+5.0 ★Texas Ratio: 0.51%Rate verified Oct 28, 2026 at 6.50%, and Sacramento Credit UnionSacramento Credit UnionA+5.0 ★Texas Ratio: 0.33%Rate verified Oct 26, 2026 at 6.625%. Mortgage rates as of October 28, 2026 according to verified data from MonitorBankRates.
Cardiff By The Sea borrowers can compare 412 mortgage rates from 69 lenders serving the California area, with mortgage rates as low as 6.00% from Safe 1 Credit Union. Use the tabs below to compare available loan types. Rates are continually updated, so we recommend checking back frequently.
Mortgage Rates reflect actual verified offers from lenders actively lending to California borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: October 28, 2026
Compare Mortgage Rates Today in Cardiff By The Sea, California & the Surrounding Area
Cardiff By The Sea 30 Year Fixed Mortgage Rates
Origination processing fee: $695.00; APR based on $250,000 loan, 80% LTV, FICO 730+, 60-day rate lock
Portfolio; P&I per $100,000: $615.72; Rates effective 10/23/2026
- Oct 19, 20266.41%▲ from 5.90%
- Sep 29, 20265.90%first recorded
Partners rate shown on rate comparison tool
- Oct 23, 20266.48%▲ from 6.06%
- Sep 14, 20266.06%first recorded
VA loan; Minimum loan amount $75,000; APRs updated daily
Mortgage Purchase Rates; Rate option with 1.00 points
Government; P&I per $100,000: $640.31; Rates effective 10/23/2026
- Oct 26, 20266.86%▼ from 6.99%
- Oct 19, 20266.99%▼ from 7.23%
- Oct 9, 20267.23%▼ from 7.24%
- Sep 29, 20267.24%first recorded
Purchase of primary residence, up to Conventional loan limit; up to 80% LTV; origination fee .50%; no application fee; minimum payment $125 per month; appraisal required; credit report fee
Purchase Rates Conforming and Government Loans; rate lock period 30 days
- Oct 26, 20266.88%▼ from 7.00%
- Oct 13, 20267.00%first recorded
Today's Featured Rates
Refinance; LTV max 80%; loan max $766,550.00; rates for credit score 710 or above
Loan amount not to exceed $499,999
Loan amounts of $500,000 to $1,000,000
Mortgage Purchase Rates; Rate option with 0.50 points
Conventional Fixed
- Oct 23, 20266.90%▼ from 7.16%
- Sep 29, 20267.16%first recorded
Government
As Low As; Interest rate 6.750%, APR 6.957%; Fixed-rate mortgage
Government
As Low As; Mortgage Loans
Rate and APR shown on homepage; APRs updated daily; payment example based on $400,000 loan, LTV 75%
As Low As; Rates may include points
- Oct 26, 20267.00%▼ from 7.13%
- Oct 14, 20267.13%▼ from 7.25%
- Oct 1, 20267.25%▲ from 7.13%
- Sep 27, 20267.13%▲ from 7.00%
Today's lowest 30-year fixed rate; Refinance Rates
Fixed-rate conforming mortgage; APR reflects FICO 740+, owner-occupied single-family in CA, 60% LTV, no cash-out
- Oct 26, 20267.02%▼ from 7.15%
- Oct 19, 20267.15%first recorded
Conventional Fixed
- Oct 23, 20267.06%▼ from 7.19%
- Sep 29, 20267.19%first recorded
Additional APR listed for this product: 7.193%. Government; P&I per $100,000: $656.93; Rates effective 10/23/2026
As Low As; APR* as low as 7.099%; Mortgage loan
- Oct 26, 20267.10%▼ from 7.23%
- Oct 19, 20267.23%▼ from 7.35%
- Oct 14, 20267.35%▼ from 7.48%
- Oct 2, 20267.48%▲ from 7.35%
Rates Effective 10/23/2026
- Oct 26, 20267.10%▼ from 7.23%
- Oct 19, 20267.23%first recorded
As Low As; Mortgage APR as low as, effective 5/27/2026; based on $400,000 value, $300,000 loan, 75% LTV, FICO 740; First-time homebuyer program, $0 down, no mortgage insurance
- Oct 23, 20267.12%▼ from 7.25%
- Oct 12, 20267.25%first recorded
As Low As; Mortgage Loan Rates
Conventional Fixed
Conforming Maximum Loan up to $832,750; Est. Payment per $1,000: $6.74; Rates Effective as of: October 26, 2026
- Oct 26, 20267.17%▼ from 7.42%
- Oct 14, 20267.42%first recorded
Fixed-rate conforming mortgage; APR reflects FICO 740+, owner-occupied single-family in CA, 60% LTV, no cash-out
- Oct 26, 20267.17%▼ from 7.30%
- Oct 19, 20267.30%first recorded
Rates Effective 10/23/2026
- Oct 26, 20267.18%▼ from 7.30%
- Oct 19, 20267.30%first recorded
As Low As; Payment: 1,596.73; w/ 0.875 Points; Rates effective as of 10/23/2026
Government
- Oct 15, 20267.20%▲ from 7.07%
- Oct 5, 20267.07%▼ from 7.33%
- Sep 29, 20267.33%first recorded
No additional details available.
As Low As; APR as low as 7.204%; based on $250,000 loan, 80% LTV, FICO 740+, 60-day rate lock
- Oct 15, 20267.20%▲ from 6.70%
- Sep 14, 20266.70%first recorded
Loan Amount: $50,000 to $832,750
- Oct 26, 20267.22%▼ from 7.34%
- Oct 19, 20267.34%first recorded
Amount: $50,000 to $832,750
- Oct 26, 20267.22%▼ from 7.34%
- Oct 14, 20267.34%first recorded
As Low As; Home Loans
Government
- Oct 23, 20267.22%▼ from 7.35%
- Sep 29, 20267.35%first recorded
up to $832,750; Home Loans up to $832,750; Rate Effective Date: October 23, 2026
Today's Purchase Rates; APR As Low As; Payment $3,326.51; Effective October 23, 2026
- Oct 26, 20267.23%▲ from 7.10%
- Sep 22, 20267.10%first recorded
Today's Purchase Rates; Purchase; Effective October 23, 2026
As Low As; Effective October 23, 2026
As Low As; Conforming mortgage
- Oct 26, 20267.24%▼ from 7.71%
- Oct 2, 20267.71%▲ from 7.24%
- Sep 22, 20267.24%▲ from 6.97%
- Sep 14, 20266.97%first recorded
Government; P&I per $100,000: $673.72; Rates effective 10/23/2026
- Oct 19, 20267.27%▼ from 7.40%
- Oct 9, 20267.40%▲ from 7.27%
- Oct 2, 20267.27%▼ from 7.40%
- Sep 29, 20267.40%first recorded
No additional details available.
As Low As; Competitive Rates with Local, San Diego Service
- Oct 23, 20267.29%▼ from 8.40%
- Oct 15, 20268.40%▲ from 7.40%
- Oct 13, 20267.40%▲ from 7.29%
- Sep 25, 20267.29%▲ from 7.15%
No additional details available.
- Oct 20, 20267.29%▼ from 7.66%
- Oct 1, 20267.66%▲ from 7.02%
- Sep 24, 20267.02%▲ from 6.13%
- Sep 15, 20266.13%first recorded
Loan amount From $50K to $832,750; ** purchase transaction, minimum 640 FICO, primary occupancy, 60% LTV/CLTV, 1-unit single family residence
- Oct 19, 20267.30%▼ from 7.55%
- Oct 9, 20267.55%▼ from 7.68%
- Oct 2, 20267.68%▲ from 7.55%
- Oct 1, 20267.55%▲ from 7.17%
Cardiff By The Sea 15 Year Fixed Mortgage Rates
Origination processing fee: $695.00; APR based on $250,000 loan, 80% LTV, FICO 730+, 60-day rate lock
Mortgage Purchase Rates; Rate option with 1.00 points
Additional APR listed for this product: 6.250%. Conventional Fixed
- Oct 13, 20266.09%▼ from 6.33%
- Sep 29, 20266.33%first recorded
Mortgage Purchase Rates; Rate option with 0.50 points
Loan amount not to exceed $499,999
Loan amounts of $500,000 to $1,000,000
Portfolio; P&I per $100,000: $843.86; Rates effective 10/23/2026
- Oct 19, 20266.26%▲ from 5.75%
- Sep 29, 20265.75%first recorded
Refinance; LTV max 80%; loan max $766,550.00; rates for credit score 710 or above
Additional APR listed for this product: 6.505%. Conventional Fixed
As Low As; Rates may include points
- Oct 19, 20266.38%▼ from 6.50%
- Sep 27, 20266.50%▲ from 6.25%
- Sep 18, 20266.25%▲ from 6.13%
- Sep 14, 20266.13%first recorded
Today's Featured Rates
Fixed-rate conforming mortgage; APR reflects FICO 740+, owner-occupied single-family in CA, 60% LTV, no cash-out
Rate and APR shown on homepage; APRs updated daily; payment example based on $400,000 loan, LTV 75%
VA loan; Minimum loan amount $75,000; APRs updated daily
As Low As; Mortgage APR as low as, effective 5/27/2026; based on $400,000 value, $300,000 loan, 75% LTV, FICO 740; First-time homebuyer program, $0 down, no mortgage insurance
Fixed-rate conforming mortgage; APR reflects FICO 740+, owner-occupied single-family in CA, 60% LTV, no cash-out
Today's Purchase Rates; APR As Low As; Payment $4,321.25; Effective October 23, 2026
- Oct 26, 20266.60%▼ from 6.72%
- Oct 19, 20266.72%▲ from 6.34%
- Sep 14, 20266.34%first recorded
Today's Purchase Rates; Purchase; Effective October 23, 2026
As Low As; Effective October 23, 2026
Rates Effective 10/23/2026
- Oct 26, 20266.60%▼ from 6.72%
- Oct 19, 20266.72%first recorded
As Low As; Mortgage Loan Rates
As Low As; Rate: 6.25%; APR: 6.62%; Points: 0
As Low As; Payment: 2,074.20; w/ 0.750 Points; Rates effective as of 10/23/2026
Rates Effective 10/23/2026
- Oct 26, 20266.67%▼ from 6.79%
- Oct 19, 20266.79%first recorded
No additional details available.
Conforming Maximum Loan up to $832,750; Est. Payment per $1,000: $8.78; Rates Effective as of: October 26, 2026
- Oct 26, 20266.70%▼ from 6.83%
- Oct 14, 20266.83%first recorded
No additional details available.
As Low As; APR for 15-Year Fixed; Rates as of 10/01/2026
Effective October 1, 2026; Rate and APR shown as low as
Loan Amount: $50,000 to $832,750
- Oct 26, 20266.76%▼ from 6.89%
- Oct 19, 20266.89%first recorded
Amount: $50,000 to $832,750
- Oct 26, 20266.76%▼ from 6.89%
- Oct 14, 20266.89%first recorded
No additional details available.
Rates Effective 10/23/2026
- Oct 26, 20266.79%▼ from 6.91%
- Oct 19, 20266.91%first recorded
No additional details available.
No additional details available.
- Oct 20, 20266.81%▼ from 7.12%
- Oct 1, 20267.12%▲ from 6.74%
- Sep 27, 20266.74%▲ from 5.73%
- Sep 15, 20265.73%first recorded
As Low As; Origination Fee: $4,425; P&I Payments: $2,613.32; based on Conventional 60% LTV loan
- Oct 1, 20266.83%▲ from 6.00%
- Sep 22, 20266.00%▼ from 6.32%
- Sep 14, 20266.32%first recorded
Loan amount: From $50K to $832,750; Conforming fixed rate; Rates based on minimum 640 FICO, purchase transaction, primary occupancy, 60% LTV/CLTV, 1-unit single family residence
Portfolio; Closed End 2nd; P&I per $100,000: $884.91; Rates effective 10/23/2026
- Oct 19, 20266.85%▲ from 6.34%
- Sep 29, 20266.34%first recorded
APR based on owner-occupied detached single family, Purchase or Limited Cash Out refinance, $450,000 loan, 60% LTV, 720 min credit score, 30-day lock
Rates Effective 10/23/2026
Conforming mortgage; 80% LTV, 740 credit score, 60-day rate lock; rates shown for New York counties only (Bronx, Kings, New York, Orange, Queens, Richmond, Rockland, Westchester, Nassau, Suffolk, Erie)
- Oct 26, 20266.89%▼ from 7.26%
- Oct 7, 20267.26%▲ from 6.87%
- Sep 18, 20266.87%first recorded
Conforming mortgage; Rates shown for New York counties only (Bronx, Kings, New York, Orange, Queens, Richmond, Rockland, Westchester, Nassau, Suffolk, Erie); Based on 80% LTV, 740 credit score, 60-day lock
up to $832,750; Home Loans up to $832,750; Rate Effective Date: October 23, 2026
Mortgage refinance; conforming; rates include 0.125% autopay and paperless discount; based on $300,000 loan
Payment Amount: $3,540; Based on $400,000 conforming loan amount; Rates effective as of 10/23/2026 8:08:22 AM
- Oct 26, 20266.92%▼ from 7.04%
- Oct 10, 20267.04%▲ from 6.79%
- Sep 22, 20266.79%first recorded
As Low As; Effective 10/15/2026; Loan rates are based on term and applicant credit history; No prepayment penalty
- Oct 23, 20266.92%▲ from 6.67%
- Oct 19, 20266.67%first recorded
As Low As; Rate and term refinance, Single Family Residence, $500,000 loan, 720 FICO, 60% LTV, <40% DTI
Conforming Loans $50,000 to $832,750 with no points; APR as of October 21, 2026; valid up to 80% CLTV; best rates require FICO 730 or higher
Primary residences in North or South Carolina; APR includes 1% origination fee
- Oct 13, 20266.97%▲ from 6.20%
- Sep 14, 20266.20%first recorded
As Low As; Home Loans
Cardiff By The Sea 5/1 ARM Mortgage Rates
Adjustable; 1st Adj Rate: 6.500%; 1st Adj Payment: $1,878.88
- Oct 13, 20265.08%▲ from 5.07%
- Oct 5, 20265.07%▼ from 5.33%
- Sep 29, 20265.33%first recorded
Initial APR; footnote: APR assumes 30-year term, 2/6 caps, $300,000 loan, 80% LTV, 1% origination fee
Base Rate 5.000%; Initial APR 5.114%; 30-year term, 2% annual / 6% lifetime caps
- Oct 23, 20265.11%▲ from 4.61%
- Oct 13, 20264.61%first recorded
As Low As; Interest rate 5.500%, APR 5.692%; 5/1 adjustable-rate mortgage
As Low As; Loan Amount: $100,000 - $832,750; California owner-occupied property only
- Oct 10, 20265.75%▲ from 5.38%
- Sep 14, 20265.38%first recorded
As Low As; Rates may include points
- Oct 26, 20265.88%▼ from 6.00%
- Oct 14, 20266.00%▼ from 6.13%
- Oct 1, 20266.13%▲ from 5.63%
- Sep 18, 20265.63%▲ from 5.50%
No additional details available.
Margin: 2.500%; Caps: 2/2/6; Est. payment per $1,000: $6.00; Index: One-Year CMT
- Oct 26, 20266.02%▼ from 6.17%
- Oct 10, 20266.17%▲ from 6.05%
- Oct 1, 20266.05%▼ from 6.30%
- Sep 27, 20266.30%▲ from 6.17%
Margin: 2.500%; Caps: 2/2/6; Index: One-Year CMT; Est. payment per $1,000: $6.00
- Oct 26, 20266.02%▼ from 6.17%
- Oct 10, 20266.17%▲ from 6.05%
- Oct 1, 20266.05%▼ from 6.30%
- Sep 27, 20266.30%first recorded
As Low As; APR as low as 6.026%; based on $250,000 loan, 80% LTV, FICO 740+, 60-day rate lock; Index for one-time rate adjustment is 30 day SOFR plus 2.50% margin, cap 5%
Margin: 2.500%; Caps: 2/2/6; Index: One-Year CMT
- Oct 26, 20266.05%▼ from 6.17%
- Oct 10, 20266.17%▲ from 6.05%
- Oct 1, 20266.05%▼ from 6.30%
- Sep 27, 20266.30%▲ from 6.17%
Margin: 2.500%; Caps: 2/2/6; Index: One-Year CMT; Rates effective as of October 26, 2026
- Oct 26, 20266.05%▼ from 6.17%
- Oct 10, 20266.17%▲ from 6.05%
- Oct 1, 20266.05%▼ from 6.30%
- Sep 27, 20266.30%first recorded
As Low As; Variable rate after 5 year fixed introductory period; Rate and term refinance, Single Family Residence, $500,000 loan, 720 FICO, 60% LTV, <40% DTI
- Oct 23, 20266.12%▲ from 5.99%
- Oct 15, 20265.99%▲ from 5.87%
- Sep 25, 20265.87%▲ from 5.62%
- Sep 16, 20265.62%first recorded
Margin: 2.375%; Caps: 2/2/5; Est. payment per $1,000: $6.08; Index: Five-Year CMT
- Oct 26, 20266.15%▼ from 6.30%
- Oct 10, 20266.30%▲ from 6.17%
- Oct 1, 20266.17%▼ from 6.40%
- Sep 27, 20266.40%▲ from 6.30%
Margin: 2.375%; Caps: 2/2/5; Index: Five-Year CMT; Est. payment per $1,000: $6.08
- Oct 26, 20266.15%▼ from 6.30%
- Oct 10, 20266.30%▲ from 6.17%
- Oct 1, 20266.17%▼ from 6.40%
- Sep 27, 20266.40%first recorded
Margin: 2.375%; Caps: 2/2/5; Index: Five-Year CMT
- Oct 26, 20266.17%▼ from 6.30%
- Oct 10, 20266.30%▲ from 6.17%
- Oct 1, 20266.17%▼ from 6.40%
- Sep 27, 20266.40%▲ from 6.30%
Margin: 2.375%; Caps: 2/2/5; Index: Five-Year CMT; Rates effective as of October 26, 2026
- Oct 26, 20266.17%▼ from 6.30%
- Oct 10, 20266.30%▲ from 6.17%
- Oct 1, 20266.17%▼ from 6.40%
- Sep 27, 20266.40%first recorded
Margin: 2.500%; Caps: 1/1/4; Index: One-Year Constant Maturity Treasury
No additional details available.
Interest rates as of 10/13/2026
Fixed APR for 15 years; promotional banner: lock in a lower rate for 15 years versus a 30-year fixed mortgage
As Low As; Loan Amount: $100,000 - $832,750; Up to 80% financing; California owner-occupied property only
As Low As; Effective October 1, 2026
As Low As; Current Calculation of Rate Remaining Term: 7.000%; Rate fixed 5 years then adjusts every 5 years; Up to 97% LTV for first-time homebuyers, 95% for other purchases
Today's Featured Rates
As Low As; Effective October 1, 2026
Loan amounts up to $2,500,000; rates effective as of September 28, 2026
As Low As; Effective October 1, 2026
- Oct 19, 20266.48%▼ from 6.75%
- Sep 14, 20266.75%first recorded
As Low As; Effective October 1, 2026
- Oct 19, 20266.49%▼ from 6.75%
- Sep 14, 20266.75%first recorded
As Low As; Effective October 1, 2026
- Oct 19, 20266.49%▼ from 7.16%
- Sep 14, 20267.16%first recorded
As Low As; Competitive Rates with Local, San Diego Service
- Oct 23, 20266.49%▼ from 6.54%
- Oct 15, 20266.54%▼ from 6.56%
- Oct 9, 20266.56%▲ from 6.37%
- Sep 25, 20266.37%▲ from 6.19%
As Low As; Loan Amount: $832,751 - $1,249,125; Up to 80% financing; California owner-occupied property only
Rate may be increased after closing
- Oct 20, 20266.54%▼ from 6.54%
- Oct 14, 20266.54%first recorded
Mortgage; 5-year initial fixed period, adjusts annually after initial period; Conforming/Super Conforming ARM
- Oct 26, 20266.55%▼ from 6.62%
- Oct 13, 20266.62%first recorded
Conforming Adjustable-Rate Mortgage; Rates and terms as of 10/25/2026
- Oct 26, 20266.55%▼ from 6.62%
- Oct 13, 20266.62%first recorded
Loan Amount: $50,000 to $832,750
APR reflects FICO 740 or higher, owner-occupied single-family primary residence in California, LTV 60% or less
As Low As; Effective 10/15/2026; Adjustable Rate Mortgage; APR may increase after the initial fixed rate period; No prepayment penalty
- Oct 23, 20266.60%▲ from 6.09%
- Oct 15, 20266.09%first recorded
Refinance Adjustable Rate Loan; Amount: $50,000 to $832,750
As Low As; Effective October 1, 2026
- Oct 19, 20266.65%▲ from 6.47%
- Sep 14, 20266.47%first recorded
Mortgage; 5-year initial fixed period, adjusts every 5 years; Conforming/Super Conforming ARM; 0% down options not listed for this row
- Oct 26, 20266.67%▼ from 6.82%
- Oct 13, 20266.82%first recorded
Conforming Adjustable-Rate Mortgage; Rates and terms as of 10/25/2026
- Oct 26, 20266.67%▼ from 6.74%
- Oct 19, 20266.74%▼ from 6.82%
- Oct 13, 20266.82%first recorded
As Low As; Effective October 1, 2026
- Oct 19, 20266.68%▲ from 6.50%
- Sep 14, 20266.50%first recorded
Rate may be increased after closing
- Oct 20, 20266.69%▼ from 6.69%
- Oct 14, 20266.69%first recorded
Current rate 5.625% (6.705% APR) is subject to change; example 30-year 5/5 ARM loan of $300,000, first five years payment $1,726.97
Refinance only; Margin: 2.750%; Caps: 2% initial, 2% periodic, 5% lifetime; CMT Index: 4.490%; Payment schedule: 1st 60 payments, 61-72 payments, 73-84 payments, 85-96 payments
Jumbo adjustable rate mortgage; based on 65% LTV, credit score 740, 15 days prepaid interest, 60-day rate lock; New York only
Margin: 2.750%; Caps: 2% initial, 2% periodic, 5% lifetime; CMT Index: 4.490%; Loan amounts $50,000 - $832,750; Eligible properties: primary residence single-family homes and condominiums; manufactured homes not eligible; minimum 5% down; PMI required for down payment less than 20%
Margin: 2.750%; Caps: 2% initial, 2% periodic, 5% lifetime; CMT Index: 4.490%; Loan amounts $50,000 - $1,500,000; Maximum LTV 90%; Rate fixed for first 5 years
- Oct 13, 20266.78%▼ from 6.81%
- Oct 2, 20266.81%▲ from 6.58%
- Sep 17, 20266.58%first recorded
Loan Amount: $50,000 to $832,750
Cardiff By The Sea 30-Year Jumbo Mortgage Rates
As Low As; Rates as of October 19, 2026; Origination/Discount Fee: 0.750%; California only, LTV less than 80%, excellent credit
As Low As; Rates as of October 19, 2026; Origination/Discount Fee: 0.750%; California only, LTV less than 80%, excellent credit
Jumbo Loans 7-Year SOFR ARM; initial rate fixed for first 84 months, then adjusts every six months; indexed to 30-day Average SOFR with 2.750% margin
- Oct 26, 20266.24%▼ from 6.31%
- Oct 2, 20266.31%▲ from 6.24%
- Sep 29, 20266.24%▲ from 6.12%
- Sep 18, 20266.12%first recorded
Portfolio; Jumbo; P&I per $100,000: $615.72; Rates effective 10/23/2026
- Oct 19, 20266.28%▲ from 5.78%
- Sep 29, 20265.78%first recorded
Purchase Rates Jumbo Loans 10-Year SOFR ARM; Rates as of 10/23/2026
- Oct 26, 20266.30%▼ from 6.38%
- Oct 19, 20266.38%first recorded
Loan Amount: $832,751 to $2,500,000
Refinance Adjustable Rate Loan; Amount: $832,751 to $2,500,000
Loan Amount: $832,751 to $2,500,000
First Mortgages - Jumbo Loans; Last Updated: 10/23/2026
- Oct 23, 20266.49%▼ from 6.66%
- Oct 15, 20266.66%first recorded
Refinance; 5-Year SOFR ARM, initial rate fixed for first 60 months then adjusts every six months; indexed to 30-day SOFR with 2.750% margin; assumed loan amount $900,000, property value $1,200,000, Sacramento CA, primary residence, 740 credit score, 45-day rate lock
- Oct 26, 20266.54%▼ from 6.64%
- Oct 13, 20266.64%first recorded
Refinance Adjustable Rate Loan; Amount: $832,751 to $2,500,000
Mortgage; Jumbo ARM; 7-year initial fixed period, adjusts annually after initial period; Owner occupied, 2nd home
- Oct 26, 20266.59%▼ from 6.65%
- Oct 13, 20266.65%▲ from 6.53%
- Sep 14, 20266.53%first recorded
First Mortgages - Jumbo Loans; Last Updated: 10/23/2026
- Oct 23, 20266.60%▼ from 6.73%
- Oct 15, 20266.73%first recorded
Primary Residence; Jumbo Loans $1,249,126 to $2,000,000 with no points; Adjustable-rate loan; APR as of October 21, 2026
Amounts up to $1,500,000; Fixed Rate
Initial rate fixed for first 120 months, then adjusts every six months; indexed to 30-day Average SOFR with 2.750% margin; APR subject to increase after consummation; rate lock 45 days; assumed loan amount $900,000, property value $1,200,000, assumed credit score 740
Jumbo loans exceeding $832,750; based on $900,000 loan amount, primary residence, LTV 60% or less, DTI under 40%, credit score 780 or above; Rates also available for Non-Owner Occupied
Rates Effective 10/23/2026
- Oct 26, 20266.67%▼ from 6.79%
- Oct 19, 20266.79%first recorded
APR reflects FICO 740 or higher; owner-occupied primary residence, single-family, California, LTV 60% or less
Jumbo loans exceeding $832,750; based on $900,000 loan amount, primary residence, LTV 60% or less, DTI under 40%, credit score 780 or above; Rates also available for Non-Owner Occupied
APR reflects FICO 740 or higher; owner-occupied primary residence, single-family, California, LTV 60% or less
Jumbo Home Loan; Payment Example: $6320.68
Amounts up to $1,500,000; Fixed Rate
Jumbo Home Loan; Payment Example: $6403.11
Rates Effective 10/23/2026
Loan Amount: $832,751 to $2,500,000
Home Loans Over $832,750; Rate Effective Date: October 23, 2026
- Oct 23, 20266.80%▼ from 6.86%
- Oct 15, 20266.86%▲ from 6.80%
- Oct 13, 20266.80%▼ from 6.87%
- Oct 9, 20266.87%▲ from 6.80%
Amounts up to $1,500,000; Fixed Rate
As Low As; Adjustable-rate mortgage loans; Rates as of Oct 19, 2026 ET
- Oct 20, 20266.83%▼ from 6.87%
- Oct 6, 20266.87%▲ from 6.77%
- Sep 30, 20266.77%first recorded
Jumbo mortgage; 65% LTV, 740 credit score, 60-day lock; New York rates only
Jumbo purchase rates; rate lock 30 days; assumed credit score 740; loan amount $900,000; estimated property value $1,200,000
Annual Percentage Rate reflects FICO Score of 700 or higher; owner-occupied primary residence, single-family, California, loan-to-value 60% or less, no cash-out
- Oct 19, 20266.90%▼ from 7.02%
- Oct 10, 20267.02%▲ from 6.64%
- Sep 18, 20266.64%▲ from 6.52%
- Sep 14, 20266.52%first recorded
Refinance Adjustable Rate Loan; Amount: $832,751 to $2,500,000
Jumbo mortgage; 65% LTV, 740 credit score, 60-day lock; New York rates only
Jumbo loan; loan amounts up to $2.5 million; purchase or no cash-out refinance; single-family primary residence; maximum LTV 70% for $2.5M; limited-time offer, new applications only; rates shown as rate / APR
Amounts up to $1,500,000; Fixed Rate
Fixed for first 3 years, then adjusts annually based on an index and margin; APR for jumbo loans assumes $900,000 loan amount
As Low As; Payment: 6,076.11; w/ 1.000 Points; Rates effective as of 10/23/2026
Annual Percentage Rate reflects FICO Score of 700 or higher; owner-occupied primary residence, single-family, California, loan-to-value 60% or less, no cash-out
- Oct 19, 20267.05%▼ from 7.18%
- Oct 10, 20267.18%▲ from 6.80%
- Sep 18, 20266.80%▲ from 6.67%
- Sep 14, 20266.67%first recorded
No additional details available.
- Oct 26, 20267.12%▼ from 7.47%
- Oct 13, 20267.47%first recorded
Jumbo adjustable-rate; fixed period 7 years, adjusts yearly; based on $940,000 loan and at least 25% down; current as of 10/26/2026
loan amount $940,000 and at least 25% equity; 30-year term; ARM rates may adjust after the initial fixed-rate period
No additional details available.
Jumbo loan; Rates effective as of October 26, 2026; Based on single unit primary residence, 60% CLTV, 760+ credit; Est. payment per $1000: $6.74
- Oct 26, 20267.15%▼ from 7.28%
- Oct 19, 20267.28%▼ from 7.40%
- Oct 14, 20267.40%first recorded
APR based on owner-occupied detached single family, Purchase or Limited Cash Out refinance, $450,000 loan, 60% LTV, 720 min credit score, 30-day lock
Home Loans Over $832,750; Rate Effective Date: October 23, 2026
- Oct 23, 20267.18%▼ from 7.30%
- Oct 13, 20267.30%▼ from 7.43%
- Oct 9, 20267.43%▲ from 7.30%
- Oct 5, 20267.30%▼ from 7.43%
As Low As; Interest rate 6.990%, APR 7.196%; Fixed-rate mortgage
As Low As; Current Calculation of Rate Remaining Term: 7.750%; Payment per $1,000 financed ignored
Jumbo adjustable-rate; fixed period 10 years, adjusts yearly; based on $940,000 loan and at least 25% down; current as of 10/26/2026
Refinance Rates Jumbo Loans 30-Year Fixed
Cardiff By The Sea 15-Year Jumbo Mortgage Rates
As Low As; Rates as of October 19, 2026; Origination/Discount Fee: 0.750%; California only, LTV less than 80%, excellent credit
Jumbo loans exceeding $832,750; based on $900,000 loan amount, primary residence, LTV 60% or less, DTI under 40%, credit score 780 or above; Rates also available for Non-Owner Occupied
Jumbo loans exceeding $832,750; based on $900,000 loan amount, primary residence, LTV 60% or less, DTI under 40%, credit score 780 or above; Rates also available for Non-Owner Occupied
Amounts up to $1,500,000; Fixed Rate
Rates Effective Date: October 26, 2026
- Oct 26, 20266.54%▼ from 6.67%
- Oct 13, 20266.67%first recorded
Jumbo loan; Rates effective as of October 26, 2026; Based on single unit primary residence, 60% CLTV, 760+ credit; Est. payment per $1000: $6.40
- Oct 26, 20266.67%▼ from 6.79%
- Oct 14, 20266.79%first recorded
Rates Effective 10/23/2026
- Oct 26, 20266.67%▼ from 6.79%
- Oct 19, 20266.79%first recorded
Amounts up to $1,500,000; Fixed Rate
Rates Effective 10/23/2026
No additional details available.
Jumbo loan; Loan Amounts: See Below; Other options: 1.000 points at 6.500% rate / 6.73% APR; -1.000 points at 7.000% rate / 7.07% APR
- Oct 23, 20266.82%▼ from 6.90%
- Oct 15, 20266.90%▲ from 6.82%
- Oct 13, 20266.82%first recorded
No additional details available.
- Oct 26, 20266.85%▼ from 6.97%
- Oct 20, 20266.97%first recorded
No additional details available.
- Oct 26, 20266.88%▼ from 7.15%
- Oct 13, 20267.15%first recorded
Loan amounts from $832,751 - $3,000,000; Par option shown (1.000 points = 6.625% rate / 6.81% APR; -1.000 points = 7.125% rate / 7.15% APR); Loan amounts greater than $2,000,000 subject to additional rate adjustment of 0.25%; Maximum LTV 90% for loans up to $1,500,000, 80% up to $3,000,000; PMI required for down payments less than 20%
- Oct 15, 20266.90%▲ from 6.82%
- Oct 13, 20266.82%first recorded
Loan amounts from $1,249,126 to $2,500,000; Estimated Payment per $1,000: $8.78; Rates effective as of September 28, 2026; Sample based on refinance transaction
Jumbo loan; loan amounts up to $2.5 million; purchase or no cash-out refinance; single-family primary residence; maximum LTV 70% for $2.5M; limited-time offer, new applications only; rates shown as rate / APR
Loan Amount: $832,751 to $2,500,000
Amount: $832,751 to $2,500,000
First Mortgages - Jumbo Loans; Last Updated: 10/23/2026
- Oct 23, 20267.18%▼ from 7.30%
- Oct 15, 20267.30%first recorded
Primary Residence; Jumbo Loans $1,249,126 to $2,000,000 with no points; APR as of October 21, 2026
- Oct 26, 20267.19%▼ from 7.82%
- Oct 9, 20267.82%first recorded
Home Loans Over $832,750; Rate Effective Date: October 23, 2026
- Oct 23, 20267.21%▼ from 7.34%
- Oct 5, 20267.34%▼ from 7.46%
- Sep 29, 20267.46%▲ from 7.34%
- Sep 25, 20267.34%▲ from 6.96%
Based on $806,500.00 loan amount
- Oct 26, 20267.23%▲ from 7.20%
- Oct 19, 20267.20%▼ from 7.23%
- Oct 13, 20267.23%first recorded
Jumbo fixed-rate; based on $940,000 loan and at least 25% down; current as of 10/26/2026
loan amount $940,000 and at least 25% equity
Owner Occupied; Effective Date: Thursday, October 22nd, 2026; Rates based on FICO 620 and above; Refinance with cash-out add .125%; Condo/PUD purchase or refinance add .125%; Jumbo loans over $1,249,125.01 add .50%
Rental property; Jumbo loan $1,249,126 to $2,000,000 with no points; Rates valid up to 75% CLTV for rental properties
Cardiff By The Sea 5/1 Jumbo ARM Mortgage Rates
As Low As; Interest rate 5.500%, APR 5.688%; 5/1 adjustable-rate mortgage
As Low As; Effective October 1, 2026
As Low As; Jumbo loan (loans over $766,550); Current Calculation of Rate Remaining Term: 7.000%; Rate fixed 5 years then adjusts every 5 years; Up to 97% LTV for first-time homebuyers, 95% for other purchases
Loan Amount: $832,751 to $2,500,000
As Low As; Effective October 1, 2026
- Oct 19, 20266.48%▼ from 6.75%
- Sep 14, 20266.75%first recorded
As Low As; Effective October 1, 2026
Refinance Adjustable Rate Loan; Amount: $832,751 to $2,500,000
Mortgage; Jumbo ARM; 5-year initial fixed period, adjusts annually after initial period; Owner occupied
- Oct 26, 20266.53%▼ from 6.60%
- Oct 13, 20266.60%▲ from 6.45%
- Sep 14, 20266.45%first recorded
Interest rates as of 10/13/2026
Mortgage; Jumbo ARM; 5-year initial fixed period, adjusts every 5 years; Single family, Condo
- Oct 26, 20266.65%▼ from 6.72%
- Oct 19, 20266.72%▼ from 6.79%
- Oct 13, 20266.79%▲ from 6.65%
- Sep 14, 20266.65%first recorded
Loan Amount: $832,751 to $2,500,000
Jumbo Home Loan; Payment Example: $6238.70
Refinance Adjustable Rate Loan; Amount: $832,751 to $2,500,000
APR reflects FICO 740 or higher; owner-occupied primary residence, single-family, California, LTV 60% or less
Jumbo mortgage; 65% LTV, 740 credit score, 60-day lock; New York rates only
First Mortgages - Jumbo Loans; Last Updated: 10/23/2026
- Oct 23, 20266.77%▼ from 6.82%
- Oct 15, 20266.82%first recorded
As Low As; Adjustable-rate mortgage loans; Rates as of Oct 19, 2026 ET
- Oct 20, 20266.78%▼ from 6.83%
- Oct 6, 20266.83%▲ from 6.75%
- Sep 30, 20266.75%first recorded
Home Loans Over $832,750; Rate Effective Date: October 23, 2026
- Oct 23, 20266.78%▼ from 6.83%
- Oct 15, 20266.83%▲ from 6.75%
- Oct 13, 20266.75%▼ from 6.80%
- Oct 9, 20266.80%▲ from 6.75%
As Low As; Rate 1st 15 Years; For loans over $766,550; Rate and payments adjust once at 15 years; Index: one-month average yield of the 10-Year US Treasury, subject to 4.00% floor
- Oct 23, 20266.96%▲ from 5.90%
- Oct 12, 20265.90%first recorded
As Low As; Jumbo loan (loans over $766,550); Loan-to-value over 80%; Current Calculation of Rate Remaining Term: 7.000%; Rate fixed 5 years then adjusts every 5 years; Up to 97% LTV for first-time homebuyers, 95% for other purchases
Jumbo Home Loan; Payment Example: $6320.68
Jumbo adjustable-rate; fixed period 5 years, adjusts yearly; based on $940,000 loan and at least 25% down; current as of 10/26/2026
loan amount $940,000 and at least 25% equity; 30-year term; ARM rates may adjust after the initial fixed-rate period
Adjustable-rate mortgage (5/1 ARM)
Cardiff By The Sea FHA Loan Rates
Rates Effective Date: October 26, 2026
Government
Government
Additional APR listed for this product: 7.193%. Government; P&I per $100,000: $656.93; Rates effective 10/23/2026
Refinance only; par option (0.000 points) shown; other options: 6.250% at 7.10% APR with 1.000 points, 6.750% at 7.44% APR with -1.000 points; loan amounts $50,000 - $1,249,125; estimated payment per $1,000 $8.93 (payment column ignored)
Purchase rates; loan amounts $50,000 - $1,249,125; APR includes mortgage insurance; other point options: 1.000 points at 6.250% rate / 7.17% APR, -1.000 points at 6.750% rate / 7.51% APR
- Oct 23, 20267.26%▲ from 7.19%
- Oct 13, 20267.19%first recorded
No additional details available.
- Oct 20, 20267.34%▼ from 7.65%
- Oct 1, 20267.65%▲ from 7.27%
- Sep 27, 20267.27%▲ from 6.38%
- Sep 15, 20266.38%first recorded
Purchase rate; Rate Details For Purchase Rates Conforming and Government Loans; FHA; Loan amount $300,000; property value $400,000; rate lock 30 days; assumed credit score 740
No additional details available.
- Oct 20, 20267.69%▼ from 8.07%
- Oct 1, 20268.07%▲ from 7.42%
- Sep 27, 20267.42%▲ from 6.78%
- Sep 15, 20266.78%first recorded
No additional details available.
- Oct 20, 20267.71%▼ from 7.85%
- Oct 1, 20267.85%▲ from 7.65%
- Sep 27, 20267.65%▲ from 6.63%
- Sep 15, 20266.63%first recorded
Government Rates; APR* (As Low As)
- Oct 26, 20267.73%▼ from 7.86%
- Oct 9, 20267.86%▼ from 7.89%
- Oct 5, 20267.89%▲ from 7.86%
- Oct 2, 20267.86%▼ from 7.89%
Government Rates; APR* (As Low As)
- Oct 26, 20267.84%▼ from 7.97%
- Oct 19, 20267.97%▼ from 8.10%
- Oct 9, 20268.10%▲ from 7.97%
- Oct 5, 20267.97%▼ from 8.10%
Rates Effective Date: October 26, 2026
Refinance only; par option (0.000 points) shown; other options: 7.000% at 7.84% APR with 1.000 points, 7.500% at 8.24% APR with -1.000 points; loan amounts $50,000 - $1,249,125; estimated payment per $1,000 $7.20 (payment column ignored)
- Oct 23, 20267.98%▼ from 8.11%
- Oct 15, 20268.11%first recorded
Purchase rates; loan amounts $50,000 - $1,249,125; APR includes mortgage insurance; other point options: 1.000 points at 7.000% rate / 7.88% APR, -1.000 points at 7.500% rate / 8.28% APR
- Oct 23, 20268.03%▼ from 8.11%
- Oct 13, 20268.11%first recorded
No additional details available.
- Oct 20, 20268.06%▼ from 8.33%
- Oct 1, 20268.33%▲ from 7.81%
- Sep 27, 20267.81%▲ from 7.04%
- Sep 15, 20267.04%first recorded
FHA; based on $270,019 loan and at least 3.5% down; current as of 10/26/2026
loan amount $270,019 and at least 3.5% equity; FICO 680+
Cardiff By The Sea VA Loan Rates
VA loan; Minimum loan amount $75,000; APRs updated daily
VA loan; Minimum loan amount $75,000; APRs updated daily
Effective October 1, 2026; Rate and APR shown as low as
Home Loans Over $832,750; Rate Effective Date: October 23, 2026
- Oct 23, 20266.78%▼ from 6.83%
- Oct 15, 20266.83%▲ from 6.75%
- Oct 13, 20266.75%▼ from 6.80%
- Oct 9, 20266.80%▲ from 6.75%
As Low As; Rates as of Oct 19, 2026 ET. Rates subject to change. Available exclusively to eligible Servicemembers, Veterans and their spouses. No down payment is required.
VA loan; Minimum loan amount $75,000; APRs updated daily
Home Loans Over $832,750; Rate Effective Date: October 23, 2026
- Oct 23, 20266.80%▼ from 6.86%
- Oct 15, 20266.86%▲ from 6.80%
- Oct 13, 20266.80%▼ from 6.87%
- Oct 9, 20266.87%▲ from 6.80%
No additional details available.
- Oct 26, 20266.80%▼ from 7.18%
- Oct 10, 20267.18%▲ from 6.67%
- Oct 2, 20266.67%▼ from 7.18%
- Sep 22, 20267.18%▲ from 6.80%
up to $832,750; Home Loans up to $832,750; Rate Effective Date: October 23, 2026
up to $832,750; Home Loans up to $832,750; Rate Effective Date: October 23, 2026
Government; P&I per $100,000: $640.31; Rates effective 10/23/2026
- Oct 26, 20266.86%▼ from 6.99%
- Oct 19, 20266.99%▼ from 7.23%
- Oct 9, 20267.23%▼ from 7.24%
- Sep 29, 20267.24%first recorded
As Low As; Rates are lowest offered and based on approved credit; Adjustable APRs may increase or decrease after loan consummation, maximum APR of 18%; rates effective as of Tuesday, July 15, 2025
As Low As; Rates as of Oct 19, 2026 ET. Rates subject to change. Available exclusively to eligible Servicemembers, Veterans and their spouses. No down payment is required.
Government
- Oct 15, 20267.20%▲ from 7.07%
- Oct 5, 20267.07%▼ from 7.33%
- Sep 29, 20267.33%first recorded
Government
- Oct 23, 20267.22%▼ from 7.35%
- Sep 29, 20267.35%first recorded
Government; P&I per $100,000: $673.72; Rates effective 10/23/2026
- Oct 19, 20267.27%▼ from 7.40%
- Oct 9, 20267.40%▲ from 7.27%
- Oct 2, 20267.27%▼ from 7.40%
- Sep 29, 20267.40%first recorded
VA; based on $383,625 loan and no down payment; current as of 10/26/2026
Government Rates; APR* (As Low As)
- Oct 26, 20267.47%▼ from 7.60%
- Oct 19, 20267.60%▼ from 7.73%
- Oct 9, 20267.73%▲ from 7.60%
- Oct 5, 20267.60%▼ from 7.73%
No additional details available.
- Oct 10, 20267.56%▲ from 7.05%
- Oct 2, 20267.05%▼ from 7.56%
- Sep 27, 20267.56%▲ from 7.05%
- Sep 22, 20267.05%▲ from 6.92%
Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
Cardiff By The Sea, CA Mortgage Rate Trends
Compare local Cardiff By The Sea, CA mortgage rate quotes against the statewide average
Daily mortgage rate averages tracked across our database of verified mortgage rate quotes, updated every evening.
California 30-year fixed rates fell 0.033 points over the past 7 days to 7.265%.
California 15-year fixed rates fell 0.016 points over the past 7 days to 6.837%.
California Mortgage Rate Forecast, Next 12 Months
Where are California mortgage rates headed through October 2027?
Based on Fed funds rate futures, 10-year Treasury path, and historical mortgage spread model. Not financial advice.
What Forecast Rates Mean for Cardiff By The Sea, CA Home Buyers
Monthly principal & interest payment on Cardiff By The Sea, CA median home of $303,400 (20% down, 30-year fixed, city-level Census ACS median)
| Scenario | Rate | Mo. Payment | vs. Today | % of Income |
|---|---|---|---|---|
| Today (CA avg) | 7.265% | $1,658 | 20.1% | |
| 6-Month Forecast | 7.265% (6.92, 7.57%) | $1,658 | +$0/mo | 20.1% |
| 12-Month Forecast | 7.515% (7.17, 7.82%) | $1,700 | +$41/mo | 20.6% |
Income column = annual mortgage payment as % of Cardiff By The Sea, CA median household income ($99,122). Above 30% is generally considered cost-burdened.
MonitorBankRates Housing Affordability Index (MBR-HAI)
A daily-updated affordability score for Cardiff By The Sea, California , computed from local Census Bureau data combined with current California mortgage rates. Based on California statewide data for this location.
What This Score Means for Cardiff By The Sea, California Home Buyers
With a score of 78.7, Cardiff By The Sea, California is 18.7 points less affordable than the national average of 97.4. The area’s median home value of $734,700 against a median household income of $99,122 produces a price-to-income ratio of 7.4x , well above the national norm, meaning buyers here need to stretch further relative to their income. At the current California mortgage rate of 7.265%, a buyer purchasing the median-priced home with 20% down would carry a monthly payment of approximately $4,015 in principal and interest.
Beyond the mortgage payment, the median total monthly owner cost in this area is $2,221, covering mortgage, property taxes, insurance, and utilities. Property taxes alone average $487/month ($5,839/year). These ongoing costs factor directly into the MBR-HAI alongside the mortgage rate and income data.
Score computed from California statewide U.S. Census Bureau ACS 5-Year Estimates (2024) and CPS/HVS Q4 2025 data, combined with the current California live mortgage rate. Score of 100 = national average at 6.5% reference rate. Full methodology
How Mortgage Rates Impact Home Affordability in Cardiff By The Sea, California
Cardiff By The Sea, California Housing Market Overview
City-level home value data is not available for Cardiff By The Sea ; figures below reflect California statewide data.
The California statewide median owner-occupied home value is approximately $734,700, according to the U.S. Census Bureau. The 2026 FHFA conforming loan limit for this area is $832,750, meaning most buyers financing at 80% LTV will qualify for conforming loan pricing, making rate comparison across local lenders especially valuable.
Cardiff By The Sea, California Homeownership Rate
With a homeownership rate of 55.3%, significantly below the national average of 65.7%, Cardiff By The Sea, California has a large pool of potential buyers actively competing for available properties. The homeowner vacancy rate of 1.3% signals a tight market with limited available inventory, making it critical to secure the best possible rate quickly when a suitable property becomes available.
Monthly Payment Estimates for Cardiff By The Sea, California Buyers
Even a small difference in your interest rate can add up to tens of thousands of dollars over the life of a loan. The table below shows monthly principal and interest payments on a $400,000 mortgage.
| Interest Rate | Loan Term | Monthly Payment | Total Interest Paid |
|---|---|---|---|
| 6.765% | 30-year fixed | $2,598 | $535,418 |
| 7.265% Current Avg | 30-year fixed | $2,733 | $583,799 |
| 7.765% | 30-year fixed | $2,870 | $633,127 |
| 6.837% | 15-year fixed | $3,559 | $240,613 |
A 0.500% rate increase on a $400,000 loan adds roughly $137 per month and over $49,327 in total interest over a 30-year term. That’s why comparing verified, current rates from multiple lenders, using the rate table above, is one of the most impactful financial decisions a Cardiff By The Sea, California buyer can make.
Data sources: U.S. Census Bureau; Federal Housing Finance Agency (FHFA). Monthly payments shown are principal & interest only; taxes, insurance, and PMI not included.
Cardiff By The Sea, California Income & Housing Affordability
City-level Census data is not available for Cardiff By The Sea ; figures below reflect California statewide data.
At a price-to-income ratio of 7.4x, California is a high-cost housing market where the ratio of home prices to local incomes is well above the national norm. That ratio, median home value divided by median household income, is a standard benchmark used by housing economists to gauge how accessible homeownership is relative to local earnings. The national baseline is approximately 3.8x.
What This Means for California Buyers
With a median household income of $99,122 per year in California statewide ($8,260/month) and a median home value of approximately $734,700, a buyer financing at 80% LTV at the current average rate would commit roughly 33.1% of gross monthly income to principal and interest alone. That places most buyers above the 30% threshold housing economists use to define "cost burdened", before taxes, insurance, HOA fees, or PMI are factored in.
Data sources: U.S. Census Bureau. Monthly payment estimate assumes 80% LTV at current average rate; principal and interest only.
Full Cost of Homeownership in Cardiff By The Sea, California
A mortgage payment is just the starting point. Property taxes, insurance, and utilities add hundreds of dollars per month to the true cost of owning a home in Cardiff By The Sea, California. Understanding the full picture before you buy is the difference between a home you can afford and one that stretches you thin.
Owner vs. Renter Costs
In Cardiff By The Sea, California, the median homeowner with a mortgage pays approximately $2,221/month in total housing costs, covering the mortgage payment, property taxes, insurance, and utilities. The median renter pays $2,036/month including utilities. The $185/month difference between owning and renting is relatively narrow, worth factoring carefully into a rent vs. buy analysis given that owners also build equity over time. Property taxes alone account for $487/month of the ownership cost, a figure that can vary dramatically by location and is often underestimated by first-time buyers.
Housing Cost Burden
The federal standard defines “cost burdened” as spending more than 30% of gross household income on housing. “Severely cost burdened” means spending 50% or more. Both thresholds leave little room for savings, emergencies, or other financial goals.
In Cardiff By The Sea, California, 38% of homeowners with mortgages are cost burdened and 53% of renters are cost burdened. Renters face significantly higher burden rates than owners, a pattern that often reflects lower renter incomes rather than lower rental costs, and one that can make the path from renting to owning financially difficult even when mortgage payments might be affordable. The 38% owner burden rate, well above the national average of 28.0%, underscores why securing the lowest possible mortgage rate is especially important here. Even a 0.25% rate reduction on a median-priced home can move a buyer from cost-burdened to within the manageable threshold.
Data sources: U.S. Census Bureau, American Community Survey 5-Year Estimates. Monthly owner costs include mortgage payment, taxes, insurance, and utilities. Property taxes reflect median annual taxes for mortgage holders. Rent reflects median gross rent including utilities. Cost burden figures reflect households spending 30%+ of gross income on housing.
Cardiff By The Sea, California Mortgage Payment Calculator
See your estimated monthly principal & interest payment at today’s Cardiff By The Sea, California rates. The home price is prefilled with the local median home value. Adjust anything, or click a current rate on the right to apply that loan type’s rate and term instantly.
Principal & interest only, excludes property taxes, homeowners insurance, PMI, and HOA dues. See the Full Cost of Homeownership section above for those figures. Estimates are for informational purposes only.
Run the Numbers on Your Cardiff By The Sea, California Home Loan
Rates are only part of the equation. Use these calculators to translate current Cardiff By The Sea, California mortgage rates and home loan rates into real numbers for your specific situation before you request quotes from mortgage lenders.
Enter your loan amount, interest rate, and term length to see your estimated monthly principal and interest payment. Adjust any variable to model different scenarios: a larger down payment, a shorter term, or a rate a quarter-point lower than what you were quoted.
CalculateTell us your gross income, monthly debt obligations, and how much you have for a down payment. We’ll show you the home price range you’re likely to qualify for at current Cardiff By The Sea, California rates, so you can shop with a realistic number in mind rather than discovering your ceiling after you’ve fallen in love with a property.
CalculateIf you already own a home, enter your current rate, remaining loan balance, and the rate you’ve been quoted to refinance. The calculator shows your new monthly payment, how much you’d save each month, and the break-even point, the number of months it takes for your savings to cover the closing costs of refinancing.
CalculateBuying isn’t always the better financial decision, and renting isn’t always throwing money away. This calculator weighs the full cost of each path: mortgage payments, taxes, insurance, and maintenance against rent increases and the opportunity cost of a down payment, to show which option builds more wealth over your intended time horizon in Cardiff By The Sea, California.
CalculateTypes of Mortgages Available in Cardiff By The Sea, California
Not every loan program is right for every buyer in Cardiff By The Sea, California. Rates, down payment requirements, eligibility rules, and long-term costs vary significantly across products, and the right choice depends on your credit profile, how long you plan to stay, and whether you qualify for any government-backed programs.
Fixed-Rate Mortgage
A fixed-rate mortgage locks your interest rate in for the entire loan term. Your principal and interest payment on day one is identical to payment 360. That predictability is valuable for long-term financial planning, especially in markets where housing costs represent a large share of household income.
Available in 10-, 15-, 20-, and 30-year terms. The 30-year minimizes monthly payments; the 15-year cuts total interest paid dramatically but requires a higher monthly commitment. The payment comparison table above shows exactly how those trade-offs look at today’s Cardiff By The Sea, California rate levels.
Adjustable-Rate Mortgage (ARM)
An ARM offers a fixed introductory rate for an initial period, commonly 5, 7, or 10 years, after which the rate adjusts periodically based on a market index. The starting rate is typically lower than a comparable fixed-rate loan, which reduces your monthly payment during the initial window.
ARMs work best when you have a defined exit timeline: if you plan to sell or refinance before the fixed period ends, you capture the lower rate without exposure to future adjustments. Rate caps govern how much the rate can move at each adjustment and in total, so read those terms closely before committing.
FHA Loan
Backed by the Federal Housing Administration, FHA loans are built for buyers who don’t yet meet conventional loan standards. You can qualify with a credit score of 580 and just 3.5% down, and some lenders will consider scores as low as 500 with a 10% down payment.
The cost of that lower barrier is mortgage insurance. FHA loans carry an upfront MIP of 1.75% of the loan amount (which can be rolled in) plus an annual MIP of 0.15% to 0.75% depending on your term and LTV. For buyers who would otherwise wait years to save a larger down payment, given ongoing home price trends in Cardiff By The Sea, California, FHA is often the faster path to ownership.
VA Loan
Available to eligible active-duty service members, veterans, reservists, National Guard members, and qualifying surviving spouses, VA loans are among the most favorable mortgage programs available anywhere. No down payment is required, there is no monthly mortgage insurance, and rates are generally competitive with, and often better than, conventional loan rates.
A one-time funding fee applies, 2.15% of the loan for first-time VA borrowers with no down payment, which can be financed into the loan. In Cardiff By The Sea, California, where home prices require substantial savings for a conventional down payment, the zero-down VA benefit is an enormous advantage for those who qualify.
Jumbo Loan
The 2026 FHFA conforming loan limit for Cardiff By The Sea, California is $832,750. Mortgages above that amount are classified as jumbo loans and are not eligible for purchase by Fannie Mae or Freddie Mac, which means lenders carry the full risk and price that risk accordingly.
Jumbo underwriting is stricter: lenders typically require a credit score of 700 or higher, substantial cash reserves, thorough income documentation, and a down payment of at least 10 to 20%. Rates may run slightly above conforming levels, though the gap narrows in competitive lending environments.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Cardiff By The Sea, California mortgage rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Mortgage Rate Data: We aggregate mortgage and refinance rates for Cardiff By The Sea, California directly from the official websites of local lenders, credit unions, and national mortgage originators using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every rate displayed is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home loan products in Cardiff By The Sea, California. We feature a comprehensive mix of licensed NMLS financial institutions, from neighborhood credit unions and competitive regional banks to large national originators available to borrowers in CA.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update mortgage rates daily. Because rates and APRs can fluctuate rapidly based on bond markets and economic conditions, every loan product features its own “last updated” date for full transparency.
Proprietary Lender Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data, including the Texas Ratio, ensuring you compare rates from secure, reliable lenders.
Mortgage Product Information
How a Mortgage Works
A mortgage is a loan used to buy a home in Cardiff By The Sea, California, secured by the property itself as collateral. The borrower repays the amount over a set term, most commonly 30 or 15 years, in monthly installments that cover both principal and interest. Because the loan is secured, the lender can foreclose on the home if payments are not made, which is part of why mortgage rates are lower than rates on unsecured debt.
Fixed vs. Adjustable Rate Mortgages
A fixed-rate mortgage keeps the same interest rate for the entire term, so a Cardiff By The Sea, California homeowner’s principal-and-interest payment never changes. For example, Safe 1 Credit Union is listing a Home Loan - 30-Year Fixed Rate at 6.00%. An adjustable-rate mortgage (ARM) starts with a fixed period, often five, seven, or ten years, and then adjusts periodically based on a market index. ARMs usually open with a lower rate, but the payment can rise once the fixed period ends, so they tend to suit Cardiff By The Sea, California borrowers who expect to move or refinance before that point. On the adjustable-rate side, Noble Federal Credit Union is listing a 5/6 ARM at 5.00%.
How Mortgage Rates Are Set
Mortgage rates move with the broader bond market, particularly the yield on the 10-year Treasury, plus a spread that reflects lender costs and risk. On top of that national baseline, the rate a California borrower is offered depends on individual factors: credit score, down payment size, loan amount, loan type, and the property itself. This is why the advertised rates above are a starting point, and a borrower’s final rate is set once an application is underwritten.
Points and Closing Costs
The interest rate is not the only cost of buying a home in Cardiff By The Sea, California. Discount points are an optional upfront fee (one point equals one percent of the loan amount) paid to lower the rate over the life of the loan. Closing costs cover items such as origination fees, appraisal, title insurance, and recording, and typically run two to five percent of the loan. Comparing the annual percentage rate (APR) alongside the note rate helps Cardiff By The Sea, California shoppers account for these costs when weighing lenders.
When to Consider Refinancing
Refinancing replaces an existing mortgage with a new one, usually to secure a lower rate, change the term, or tap home equity. For Cardiff By The Sea, California homeowners, the general guideline is that refinancing makes sense when the savings from a lower rate recoup the closing costs within the time the borrower plans to stay in the home, known as the break-even point. Borrowers also refinance to switch from an adjustable rate to a fixed rate, or to remove mortgage insurance once enough equity has built up. Current Cardiff By The Sea, California refinance rates from local lenders are listed on our refinance page.
Frequently Asked Questions about Mortgage Rates in Cardiff By The Sea, California
What are mortgage rates in Cardiff By The Sea, California today?
What are home loan rates in Cardiff By The Sea, CA today?
How does my credit score affect my rate in Cardiff By The Sea, California?
What is a 30-Year Fixed Mortgage?
What are closing costs in Cardiff By The Sea, California?
Should I lock my mortgage rate?
What is an Adjustable-Rate Mortgage (ARM)?
What is a Jumbo Loan in Cardiff By The Sea, California?
Do I need 20% down to buy a house in Cardiff By The Sea, California?
What is the difference between Interest Rate and APR?
How do I compare mortgage lenders in Cardiff By The Sea, California?
How do I get mortgage quotes in Cardiff By The Sea, California?
What is the homeownership rate in Cardiff By The Sea, California?
What is the conforming loan limit in Cardiff By The Sea, California?
What is the median monthly cost of homeownership in Cardiff By The Sea, California?
What are the median property taxes in Cardiff By The Sea, California?
What is the median rent in Cardiff By The Sea, California?
What percentage of homeowners are cost burdened in Cardiff By The Sea, California?
What percentage of renters are cost burdened in Cardiff By The Sea, California?
What are the best Mortgage rates in Cardiff By The Sea, California?
- Safe 1 Credit Union: 6.00% (Home Loan - 30-Year Fixed Rate)
- Educational Employees Credit Union: 6.25% (30 Year Fixed Rate - Primary Residence)
- Partners Federal Credit Union: 6.482% (30 Yr Fixed Mortgage)
- Sofi Bank: 6.50% (VA 30-Year Fixed)
- Sacramento Credit Union: 6.625% (Fixed Rate Mortgages - 30-Year Fixed)
Cardiff By The Sea, California Rates & Resources
