Rio Linda, California Mortgage Rates Today for October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
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Current mortgage rates for Rio Linda, California borrowers from lenders serving California today start at 6.00% for a 30 year fixed and 5.50% for a 15 year fixed, compared with California averages of 7.254% and 6.816%. Rio Linda, California mortgage rates from lenders serving California range from 5.00% to 9.50%, verified by MonitorBankRates as of October 31, 2026. Current 30-year fixed mortgage rates for Rio Linda, California borrowers from lenders serving California include Safe 1 Credit UnionSafe 1 Credit UnionA+5.0 ★Texas Ratio: 1.69%Rate verified Oct 29, 2026 at 6.00%, Educational Employees Credit UnionEducational Employees Credit UnionA+5.0 ★Texas Ratio: 0.58%Rate verified Oct 29, 2026 at 6.25%, Partners Federal Credit UnionPartners Federal Credit UnionA+5.0 ★Texas Ratio: 4.65%Rate verified Oct 29, 2026 at 6.482%, The Golden 1 Credit UnionThe Golden 1 Credit UnionA+5.0 ★Texas Ratio: 5.50%Rate verified Oct 29, 2026 at 6.75%, and Sofi BankSofi BankA+5.0 ★Texas Ratio: 0.51%Rate verified Oct 28, 2026 at 6.50%. Mortgage rates as of October 31, 2026 according to verified data from MonitorBankRates.
Rio Linda borrowers can compare 379 mortgage rates from 65 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 31, 2026
Compare Mortgage Rates Today in Rio Linda, California & the Surrounding Area
Rio Linda 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
- Oct 19, 20266.41%▲ from 5.90%
- Sep 29, 20265.90%first recorded
Interest rate not shown; rates are Partners' best fixed rates on approved credit; actual rate may be higher depending on credit and underwriting
Purchase rate; Conforming; Rate lock period 30 days; assumed credit score 740; loan amount $300,000; property value $400,000
- Oct 29, 20266.75%▼ from 6.88%
- Oct 19, 20266.88%▼ from 7.71%
- Sep 29, 20267.71%first recorded
VA loan; Minimum loan amount $75,000; APRs updated daily
Mortgage Purchase Rates; Rate option with 1.00 points
Government; 1.000 points; P&I per $100,000: $640.31
- 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
Today's Featured Rates
Refinance; LTV max 80%; loan max $766,550.00; rates for credit score 710 or above
Mortgage Purchase Rates; Rate option with 0.50 points
Conventional Fixed; Effective 10/28/2026
As Low As; Interest rate 6.750%, APR 6.957%; Fixed-rate mortgage
Government; Effective 10/28/2026
As Low As; Mortgage Loans
Rate and APR shown on homepage; APRs updated daily; payment example based on $400,000 loan, LTV 75%
Today's lowest 30-year fixed rate; Refinance; Rate 6.750% / APR 6.990%
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%
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
APR based on $450,000 loan, max 60% LTV, 720 minimum credit score, 30-day lock
- Oct 30, 20267.06%▼ from 7.31%
- Oct 14, 20267.31%▲ from 6.94%
- Sep 14, 20266.94%first recorded
Conventional Fixed; Effective 10/28/2026
Fixed Rate Refinance; Rates effective as of October 29, 2026
Government; P&I per $100,000: $656.93
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%
As Low As; APR* (AS LOW AS) column; Discount points 0.25%
- Oct 29, 20267.12%▼ from 7.15%
- Oct 26, 20267.15%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
Owner Occupied; Conforming; Effective Date: Wednesday, October 28th, 2026; FICO 620 and above; Maximum LTV 80%; Conforming loan limit up to $832,750; For cash-out refinance add .125%; For purchase or refinance of Condo/PUD add .125%
As Low As; Payment: 6,653.02 (payment column not a rate)
- Oct 30, 20267.14%▼ from 7.33%
- Sep 27, 20267.33%first recorded
Fixed Rate Refinance; Rates effective as of October 29, 2026
1st Adj Rate N/A; 1st Adj Payment N/A
- Oct 29, 20267.15%▼ from 7.42%
- Oct 2, 20267.42%first recorded
Fixed-rate conforming mortgage; Conforming Maximum Loan up to $832,750; Rates Effective as of: October 29, 2026
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
Effective October 29, 2026 09:11 AM PT; Property must be located in California
- Oct 30, 20267.19%▼ from 7.31%
- Oct 19, 20267.31%first recorded
As Low As; Today's Purchase Rates; Payment: $3,326.51
Government; 1.000 points; P&I per $100,000: $656.93
As Low As; Payment: 1,596.73
- Oct 30, 20267.19%▼ from 7.32%
- Oct 19, 20267.32%▲ from 7.07%
- Sep 18, 20267.07%first recorded
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
Amount: $50,000 to $832,750
- Oct 30, 20267.22%▼ from 7.34%
- Oct 14, 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
Rate Details For Purchase Rates Conforming and Government Loans; FHA; Purchase
- Oct 29, 20267.22%▼ from 7.61%
- Oct 19, 20267.61%first recorded
Government; Effective 10/28/2026
- Oct 23, 20267.22%▼ from 7.35%
- Sep 29, 20267.35%first recorded
up to $832,750; Rate Effective Date: October 29, 2026; Link: Get Started
Fixed Rate Refinance; Rates effective as of October 29, 2026
Government; P&I per $100,000: $673.72
- 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
Conventional Fixed Rate Mortgages
As Low As; Conforming fixed-rate mortgage; APRs assume a credit score of at least 740 and combined LTV of 60% or less
- Oct 29, 20267.27%▼ from 7.29%
- Oct 23, 20267.29%▼ from 8.40%
- Oct 15, 20268.40%▲ from 7.40%
- Oct 13, 20267.40%▲ from 7.29%
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%
Conforming Loans $50,000 to $832,750 with no points; APR as of October 28, 2026; valid up to 80% CLTV; best rates require FICO 730 or higher
- Oct 29, 20267.30%▼ from 7.43%
- Oct 19, 20267.43%first recorded
Rio Linda 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; Effective 10/28/2026
Mortgage Purchase Rates; Rate option with 0.50 points
Portfolio; P&I per $100,000: $843.86
- 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%. 1st Adj Rate N/A; 1st Adj Payment N/A
- Oct 13, 20266.35%▼ from 6.59%
- Oct 2, 20266.59%first recorded
As Low As; Both traditional and short-term options available. 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%
As Low As; APR* (AS LOW AS) column; Discount points 0.625%
- Oct 29, 20266.50%▼ from 6.61%
- Oct 26, 20266.61%first recorded
VA loan; Minimum loan amount $75,000; APRs updated daily
Fixed Rate Refinance; Rates effective as of October 29, 2026
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
Effective October 29, 2026 09:11 AM PT; Property must be located in California
As Low As; Today's Purchase Rates; Payment: $4,321.25
Fixed-rate conforming mortgage; Conforming Maximum Loan up to $832,750; Rates Effective as of: October 29, 2026
Fixed-rate conforming mortgage; APR reflects FICO 740+, owner-occupied single-family in CA, 60% LTV, no cash-out
Fixed Rate Refinance; Rates effective as of October 29, 2026
As Low As; Rate: 6.25%; APR: 6.62%; Points: 0
Amount: $50,000 to $832,750
- Oct 30, 20266.64%▼ from 6.89%
- Oct 14, 20266.89%first recorded
Amount: $50,000 to $832,750
- Oct 30, 20266.64%▼ from 6.76%
- Oct 26, 20266.76%▼ from 6.89%
- Oct 14, 20266.89%first recorded
Fixed Rate Refinance; Rates effective as of October 29, 2026
As Low As; Payment: 2,074.20
- Oct 30, 20266.66%▲ from 6.53%
- Sep 18, 20266.53%▲ from 6.28%
- Sep 14, 20266.28%first recorded
Home Loans - First Mortgages - Conforming Loans; Last Updated: 10/28/2026
Loan amount From $50K to $832,750; Conforming Fixed Rate Mortgage; Rates based on purchase transaction, minimum 640 FICO, primary occupancy, 60% LTV/CLTV, 1-unit single family residence
- Oct 29, 20266.70%▼ from 6.83%
- Oct 19, 20266.83%▼ from 7.07%
- Oct 9, 20267.07%▼ from 7.20%
- Oct 2, 20267.20%▲ from 7.07%
APR based on $450,000 loan, max 60% LTV, 720 minimum credit score, 30-day lock
- Oct 30, 20266.72%▼ from 6.97%
- Oct 14, 20266.97%▲ from 6.47%
- Sep 14, 20266.47%first recorded
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
Owner Occupied; Conforming; Effective Date: Wednesday, October 28th, 2026; FICO 620 and above; Maximum LTV 80%; Conforming loan limit up to $832,750; For cash-out refinance add .125%; For purchase or refinance of Condo/PUD add .125%
Conforming mortgage; based on single-family primary residence purchase, 80% LTV, credit score 740, 15 days prepaid interest, 60-day rate lock; APR assumes $400,000 loan, 20% down, closing costs $2416.75 plus -0.04 points; rates shown for New York counties only (Bronx, Kings, New York, Orange, Queens, Richmond, Rockland, Westchester, Nassau, Suffolk, Erie)
- Oct 31, 20266.76%▼ from 6.89%
- Oct 26, 20266.89%first recorded
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
As Low As; Rate and term refinance; Single Family Residence; $500,000 loan amount; 720 FICO; 60% LTV; Rates updated 10/26/2026
- Oct 28, 20266.83%▼ from 7.08%
- Oct 2, 20267.08%▲ from 6.83%
- Sep 25, 20266.83%▲ from 6.70%
- Sep 16, 20266.70%first recorded
Conforming Loans $50,000 to $832,750 with no points; APR as of October 28, 2026; valid up to 80% CLTV; best rates require FICO 730 or higher
- Oct 29, 20266.83%▼ from 6.96%
- Oct 19, 20266.96%first recorded
Portfolio; Closed End 2nd; P&I per $100,000: $884.91
- Oct 19, 20266.85%▲ from 6.34%
- Sep 29, 20266.34%first recorded
Refinance; Conforming fixed rate mortgage; based on $300,000 loan amount; rate includes 0.125% autopay and paperless discount
Effective Date: Wednesday, October 28th, 2026; Owner Occupied; Rates based on FICO 620 and above; Maximum Loan to Value 80%
- Oct 28, 20266.88%▼ from 7.13%
- Oct 15, 20267.13%first recorded
up to $832,750; Rate Effective Date: October 29, 2026; Link: Get Started
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
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
Conventional Fixed Rate Mortgages
Rates shown for New York counties only (Bronx, Kings, New York, Orange, Queens, Richmond, Rockland, Westchester, Nassau, Suffolk, Erie); based on 80% LTV and 740 credit score
- Oct 31, 20267.00%▼ from 7.12%
- Oct 26, 20267.12%▼ from 7.25%
- Oct 20, 20267.25%▼ from 7.50%
- Oct 14, 20267.50%first recorded
Amount: $832,751 to $1,249,125
Amount: $832,751 to $1,249,125
No additional details available.
As Low As; Origination Fee: $1,425; P&I Payments: $2,675.56; based on Conventional 60% LTV loan
- Oct 1, 20267.04%▲ from 6.54%
- Sep 14, 20266.54%first recorded
Fixed-rate high balance mortgage; est. payment per $1000: $6.65; loan amounts $832,751 to $1,249,125; LTV below 60%; 45-day rate lock; assumed credit score 720
- Oct 26, 20267.05%▼ from 7.56%
- Oct 14, 20267.56%▲ from 7.18%
- Sep 27, 20267.18%▲ from 7.05%
- Sep 18, 20267.05%first recorded
Rio Linda 5/1 ARM Mortgage Rates
Adjustable; 1st Adj Rate: 6.500%; Effective 10/28/2026
- 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; Enjoy a low initial rate that adjusts with the market. Various terms and options available. 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%
Mortgage purchase; Payment Examples available
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; Adjustable rate mortgage; Rate and term refinance; Single Family Residence; $500,000 loan amount; 720 FICO; 60% LTV; Rates updated 10/26/2026
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
Adjustable Rate Mortgage
- Oct 29, 20266.20%▼ from 6.25%
- Oct 13, 20266.25%▼ from 7.03%
- Oct 2, 20267.03%first recorded
Mortgage refinance; Payment Examples available
Interest rates as of 10/13/2026
Interest rates as of 10/13/2026
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; Fixed for first 5 years, then adjusts per current index plus 2% margin every 5 years
- Oct 29, 20266.46%▼ from 6.49%
- Oct 23, 20266.49%▼ from 6.54%
- Oct 15, 20266.54%▼ from 6.56%
- Oct 9, 20266.56%▲ from 6.37%
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; 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
Amount: $50,000 to $832,750
- Oct 30, 20266.58%▼ from 6.63%
- Oct 19, 20266.63%▼ from 6.68%
- Oct 2, 20266.68%▲ from 6.61%
- Sep 27, 20266.61%▲ from 6.43%
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
Conforming/Super Conforming ARM
- Oct 29, 20266.62%▲ from 6.55%
- Oct 26, 20266.55%▼ from 6.62%
- Oct 13, 20266.62%first recorded
Conforming Adjustable-Rate Mortgages
Current rate 5.625% (6.631% APR) subject to change; example 30-year 5/5 ARM loan of $300,000 with first five years payment $1,726.97; adjusts after fifth year
- Oct 30, 20266.63%▼ from 6.71%
- Oct 26, 20266.71%first recorded
Amount: $50,000 to $832,750; California properties only
As Low As; Effective October 1, 2026
- Oct 19, 20266.65%▲ from 6.47%
- Sep 14, 20266.47%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
Jumbo mortgage; based on purchase of single-family primary residence, 65% LTV, 740 credit score, 60-day rate lock; rates shown for New York only
- Oct 31, 20266.69%▼ from 6.79%
- Oct 20, 20266.79%▼ from 6.83%
- Oct 14, 20266.83%▲ from 6.76%
- Oct 7, 20266.76%▲ from 6.75%
Amount: $50,000 to $832,750
- Oct 30, 20266.71%▼ from 6.83%
- Oct 19, 20266.83%▲ from 6.81%
- Sep 27, 20266.81%▲ from 6.56%
- Sep 18, 20266.56%▲ from 6.48%
Refinance rates; Interest rate fixed for first 60 payments then adjusts; Margin: 2.750%; Caps: 2% initial, 2% periodic, 5% lifetime; CMT Index: 4.480%
- Oct 29, 20266.73%▼ from 6.76%
- Oct 23, 20266.76%first recorded
Conforming/Super Conforming ARM
- Oct 29, 20266.74%▲ from 6.67%
- Oct 26, 20266.67%▼ from 6.82%
- Oct 13, 20266.82%first recorded
Conforming Adjustable-Rate Mortgages
Amount: $50,000 to $832,750; California properties only
Margin: 2.750%; Caps: 2% initial, 2% periodic, 5% lifetime; CMT Index: 4.480%; Loan amounts $50,000 - $832,750
Refinance rates; Rate adjusts every 5 years; Margin: 2.375%; Caps: 2% initial, 2% periodic, 6% lifetime; CMT Index: 4.890%
Margin: 2.750%; Caps: 2% initial, 2% periodic, 5% lifetime; CMT Index: 4.480%; Fixed for first 5 years; Loan amounts from $50,000 - $1,500,000; Maximum LTV 90%
- Oct 13, 20266.78%▼ from 6.81%
- Oct 2, 20266.81%▲ from 6.58%
- Sep 17, 20266.58%first recorded
Rate adjusts every 5 years; Margin: 2.375%; Caps: 2% initial, 2% periodic, 6% lifetime; CMT Index: 4.890%; Loan amounts $50,000 - $832,750
Rio Linda 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
Margin: 2.500%; Caps: 2/2/6; Index: One-Year CMT; Rates effective as of October 29, 2026
Portfolio; Jumbo; P&I per $100,000: $615.72
- 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
Amount: $832,751 to $2,500,000
- Oct 30, 20266.36%▼ from 6.43%
- Oct 19, 20266.43%▼ from 6.49%
- Oct 2, 20266.49%▲ from 6.43%
- Sep 27, 20266.43%▲ from 6.24%
Amount: $832,751 to $2,500,000; California properties only
Amount: $832,751 to $2,500,000
- Oct 30, 20266.49%▼ from 6.57%
- Oct 19, 20266.57%▼ from 6.65%
- Oct 2, 20266.65%▲ from 6.61%
- Sep 27, 20266.61%▲ from 6.40%
Jumbo Loans; Interest Rate 6.000%; APR 6.492%
- Oct 29, 20266.49%▼ from 6.66%
- Oct 13, 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
Amount: $832,751 to $2,500,000; California properties only
Primary Residence; Jumbo Loans $1,249,126 to $2,000,000 with no points; APR as of October 28, 2026; adjustable-rate loan, best rate requires FICO 730 or higher
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 ARM
- Oct 29, 20266.65%▲ from 6.59%
- Oct 26, 20266.59%▼ from 6.65%
- Oct 13, 20266.65%▲ from 6.53%
- Sep 14, 20266.53%first recorded
Jumbo Loans; Interest Rate 6.000%; APR 6.668%
- Oct 29, 20266.67%▼ from 6.73%
- Oct 13, 20266.73%first recorded
APR reflects FICO 740 or higher; owner-occupied primary residence, single-family, California, LTV 60% or less
APR reflects FICO 740 or higher; owner-occupied primary residence, single-family, California, LTV 60% or less
Rates as of Oct 30, 2026 ET; Interest Rates As Low As; APR As Low As
- Oct 31, 20266.71%▼ from 6.83%
- Oct 20, 20266.83%▼ from 6.87%
- Oct 6, 20266.87%▲ from 6.77%
- Sep 30, 20266.77%first recorded
Amounts up to $1,500,000; Fixed Rate
Amount: $832,751 to $2,500,000
- Oct 30, 20266.78%▼ from 6.86%
- Oct 19, 20266.86%▼ from 6.94%
- Sep 27, 20266.94%▲ from 6.74%
- Sep 18, 20266.74%▲ from 6.70%
No additional details available.
- Oct 30, 20266.78%▲ from 6.71%
- Oct 26, 20266.71%first recorded
Home Loans Over $832,750; Rate Effective Date: October 29, 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
No additional details available.
- Oct 30, 20266.82%▲ from 6.74%
- Oct 26, 20266.74%first recorded
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
Amount: $832,751 to $2,500,000; California properties only
Amounts up to $1,500,000; Fixed Rate
30-year loan fixed for first three years, then adjusts annually based on index and margin; APR for jumbo loans assumes $900,000 loan amount
APR based on $450,000 loan, max 60% LTV, 720 minimum credit score, 30-day lock
- Oct 30, 20267.04%▼ from 7.29%
- Oct 14, 20267.29%▲ from 6.92%
- Sep 14, 20266.92%first recorded
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
Fixed-rate period 7 years, then adjusts yearly; 30-year term; loan amount $940,000; down payment at least 25%
Jumbo Fixed-Rate Mortgage; rates and terms as of 10/29/2026
- Oct 29, 20267.09%▼ from 7.12%
- Oct 19, 20267.12%▼ from 7.47%
- Oct 9, 20267.47%▼ from 7.63%
- Oct 1, 20267.63%▲ from 7.22%
Fixed-rate period 7 years, then adjusts yearly; 30-year term; based on $940,000 loan amount and at least 25% equity
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
Loan amount: $832,751 - $5,000,000; Assumptions: 660 FICO, primary occupancy, 60% LTV/CLTV, 1-unit single family residence
- Oct 19, 20267.17%▼ from 7.42%
- Oct 13, 20267.42%▲ from 7.03%
- Sep 18, 20267.03%first recorded
Fixed-rate period 10 years, then adjusts yearly; 30-year term; loan amount $940,000; down payment at least 25%
Home Loans Over $832,750; Rate Effective Date: October 29, 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
Fixed-rate period 10 years, then adjusts yearly; 30-year term; based on $940,000 loan amount and at least 25% equity
Refinance Rates Jumbo Loans 30-Year Fixed
Home Refinancing; Rates Effective Date: October 29, 2026
- Oct 29, 20267.29%▼ from 7.42%
- Oct 19, 20267.42%▼ from 7.67%
- Sep 29, 20267.67%▲ from 7.29%
- Sep 18, 20267.29%▲ from 7.17%
Fixed-rate jumbo mortgage; purchase or refinance; owner occupied
- Oct 29, 20267.35%▼ from 7.43%
- Oct 19, 20267.43%▼ from 7.60%
- Oct 2, 20267.60%▼ from 7.71%
- Oct 1, 20267.71%▲ from 7.31%
No additional details available.
No additional details available.
Loan amounts from $832,751 - $3,000,000; Par option shown (1.000 points = 7.125% rate / 7.24% APR; -1.000 points = 7.625% rate / 7.64% 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, 20267.39%▼ from 7.42%
- Oct 13, 20267.42%first recorded
No additional details available.
Rio Linda 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
Home Refinancing; Rates Effective Date: October 29, 2026
- Oct 29, 20266.53%▼ from 6.67%
- Oct 19, 20266.67%▼ from 6.79%
- Oct 9, 20266.79%▼ from 6.92%
- Oct 2, 20266.92%▲ from 6.79%
Amounts up to $1,500,000; Fixed Rate
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
Amounts up to $1,500,000; Fixed Rate
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
As Low As; Assumes single-family primary residence, 720 FICO, 20% down; Minimum 5% down required; Rates as of Oct 30, 2026 ET
- Oct 26, 20266.85%▼ from 6.97%
- Oct 20, 20266.97%first recorded
Jumbo Fixed-Rate Mortgage; rates and terms as of 10/29/2026
- Oct 29, 20266.86%▼ from 6.88%
- Oct 19, 20266.88%▼ from 7.15%
- Oct 9, 20267.15%▲ from 7.13%
- Oct 1, 20267.13%▲ from 6.76%
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
Jumbo; Interest Rate then APR
- Oct 29, 20266.94%▼ from 7.23%
- Oct 26, 20267.23%▲ from 7.20%
- Oct 19, 20267.20%▼ from 7.23%
- Oct 13, 20267.23%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 Loans; Interest Rate 6.875%; APR 7.049%
- Oct 29, 20267.05%▼ from 7.30%
- Oct 13, 20267.30%first recorded
Primary Residence; Jumbo Loans $1,249,126 to $2,000,000 with no points; APR as of October 28, 2026; best rates require FICO 730 or higher
- Oct 29, 20267.06%▼ from 7.19%
- Oct 26, 20267.19%▼ from 7.82%
- Oct 9, 20267.82%first recorded
Amount: $832,751 to $2,500,000
Amount: $832,751 to $2,500,000
Home Loans Over $832,750; Rate Effective Date: October 29, 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%
Owner Occupied
- Oct 28, 20267.25%▼ from 7.50%
- Oct 15, 20267.50%first recorded
Loan amount $940,000; down payment at least 25%
based on $940,000 loan amount and at least 25% equity
Rental Property; Jumbo Loans $1,249,126 to $2,000,000 with no points; Rates valid up to 75% CLTV for rental properties; APR as of October 28, 2026
- Oct 29, 20267.69%▼ from 7.82%
- Oct 19, 20267.82%first recorded
Rio Linda 5/1 Jumbo ARM Mortgage Rates
As Low As; Interest rate 5.500%, APR 5.688%; 5/1 adjustable-rate mortgage
Margin: 2.500%; Caps: 2/2/6; Index: One-Year CMT; Rates effective as of October 29, 2026
Margin: 2.375%; Caps: 2/2/5; Index: Five-Year CMT; Rates effective as of October 29, 2026
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
Amount: $832,751 to $2,500,000
- Oct 30, 20266.47%▼ from 6.52%
- Oct 19, 20266.52%▼ from 6.57%
- Oct 2, 20266.57%▲ from 6.49%
- Sep 27, 20266.49%▲ from 6.32%
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
Amount: $832,751 to $2,500,000; California properties only
Interest rates as of 10/13/2026
Interest rates as of 10/13/2026
Amount: $832,751 to $2,500,000
- Oct 30, 20266.59%▼ from 6.72%
- Oct 19, 20266.72%▲ from 6.69%
- Sep 27, 20266.69%▲ from 6.44%
- Sep 18, 20266.44%▲ from 6.37%
Jumbo ARM
- Oct 29, 20266.60%▲ from 6.53%
- Oct 26, 20266.53%▼ from 6.60%
- Oct 13, 20266.60%▲ from 6.45%
- Sep 14, 20266.45%first recorded
Amount: $832,751 to $2,500,000; California properties only
Rates as of Oct 30, 2026 ET; Interest Rates As Low As; APR As Low As
- Oct 31, 20266.65%▼ from 6.78%
- Oct 20, 20266.78%▼ from 6.83%
- Oct 6, 20266.83%▲ from 6.75%
- Sep 30, 20266.75%first recorded
Jumbo ARM
- Oct 29, 20266.72%▲ from 6.65%
- Oct 26, 20266.65%▼ from 6.72%
- Oct 19, 20266.72%▼ from 6.79%
- Oct 13, 20266.79%▲ from 6.65%
APR reflects FICO 740 or higher; owner-occupied primary residence, single-family, California, LTV 60% or less
No additional details available.
- Oct 30, 20266.76%▲ from 6.71%
- Oct 26, 20266.71%first recorded
Jumbo Loans; Interest Rate 5.875%; APR 6.768%
- Oct 29, 20266.77%▼ from 6.82%
- Oct 13, 20266.82%first recorded
Home Loans Over $832,750; Rate Effective Date: October 29, 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
No additional details available.
- Oct 30, 20267.03%▼ from 7.05%
- Oct 26, 20267.05%first recorded
Fixed-rate period 5 years, then adjusts yearly; 30-year term; loan amount $940,000; down payment at least 25%
Fixed-rate period 5 years, then adjusts yearly; 30-year term; based on $940,000 loan amount and at least 25% equity
Adjustable-rate mortgage (5/1 ARM)
Rio Linda FHA Loan Rates
Home Refinancing; Rates Effective Date: October 29, 2026
Government; Effective 10/28/2026
Government; P&I per $100,000: $656.93
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)
Government; 1.000 points; P&I per $100,000: $656.93
Rate Details For Purchase Rates Conforming and Government Loans; FHA; Purchase
- Oct 29, 20267.22%▼ from 7.61%
- Oct 19, 20267.61%first recorded
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
As Low As; Government Rates
- Oct 29, 20267.51%▼ from 7.73%
- Oct 26, 20267.73%▼ from 7.86%
- Oct 9, 20267.86%▼ from 7.89%
- Oct 5, 20267.89%▲ from 7.86%
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
As Low As; Government Rates
- 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%
Home Refinancing; Rates Effective Date: October 29, 2026
- Oct 19, 20267.92%▲ from 7.79%
- Oct 2, 20267.79%▲ from 7.42%
- Sep 14, 20267.42%first recorded
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
Loan amount $270,019; down payment at least 3.5%; FICO 680+
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
based on $270,019 loan amount and at least 3.5% equity; assumes FICO 680+
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
Rio Linda VA Loan Rates
VA loan; Minimum loan amount $75,000; APRs updated daily
Rates as of Oct 30, 2026 ET. Rates subject to change.
- Oct 31, 20266.66%▼ from 6.79%
- Oct 20, 20266.79%first recorded
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 29, 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%
VA loan; Minimum loan amount $75,000; APRs updated daily
Home Loans Over $832,750; Rate Effective Date: October 29, 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%
up to $832,750; Rate Effective Date: October 29, 2026; Link: Get Started
up to $832,750; Rate Effective Date: October 29, 2026; Link: Get Started
Government; 1.000 points; P&I per $100,000: $640.31
- 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 of October 29, 2026
- Oct 30, 20266.92%▼ from 7.18%
- Oct 14, 20267.18%▲ from 6.80%
- Sep 14, 20266.80%first recorded
Rates as of Oct 30, 2026 ET. Rates subject to change.
- Oct 31, 20266.93%▼ from 7.06%
- Oct 20, 20267.06%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
Government; Effective 10/28/2026
- Oct 23, 20267.22%▼ from 7.35%
- Sep 29, 20267.35%first recorded
Government; P&I per $100,000: $673.72
- 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
Loan amount $383,625; no down payment
based on $305,059 loan amount and 14.8% equity
As Low As; Government Rates
- 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%
As of October 29, 2026
- Oct 14, 20267.56%▲ from 6.92%
- Sep 14, 20266.92%first recorded
Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
Rio Linda, CA Mortgage Rate Trends
Compare local Rio Linda, 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 0.032 points over the past 7 days to 7.254%.
California 15-year fixed rates fell 0.033 points over the past 7 days to 6.816%.
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 Rio Linda, CA Home Buyers
Monthly principal & interest payment on Rio Linda, CA median home of $458,300 (20% down, 30-year fixed, city-level Census ACS median)
| Scenario | Rate | Mo. Payment | vs. Today | % of Income |
|---|---|---|---|---|
| Today (CA avg) | 7.254% | $2,502 | 31.2% | |
| 6-Month Forecast | 7.254% (6.90, 7.55%) | $2,502 | +$0/mo | 31.2% |
| 12-Month Forecast | 7.504% (7.15, 7.80%) | $2,565 | +$62/mo | 31.9% |
Income column = annual mortgage payment as % of Rio Linda, CA median household income ($96,364). Above 30% is generally considered cost-burdened.
MonitorBankRates Housing Affordability Index (MBR-HAI)
A daily-updated affordability score for Rio Linda, California , computed from local Census Bureau data combined with current California mortgage rates.
What This Score Means for Rio Linda, California Home Buyers
With a score of 88.3, Rio Linda, California is 9.1 points less affordable than the national average of 97.4. It ranks 163 of 785 scored California cities, where 1 is the most affordable. The area’s median home value of $458,300 against a median household income of $96,364 produces a price-to-income ratio of 4.8x , modestly above the national norm. At the current California mortgage rate of 7.258%, a buyer purchasing the median-priced home with 20% down would carry a monthly payment of approximately $2,503 in principal and interest.
Beyond the mortgage payment, the median total monthly owner cost in this area is $1,852, covering mortgage, property taxes, insurance, and utilities. Property taxes alone average $238/month ($2,855/year). These ongoing costs factor directly into the MBR-HAI alongside the mortgage rate and income data.
Score computed from local 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 Rio Linda, California
Rio Linda, California Housing Market Overview
According to the U.S. Census Bureau, the median owner-occupied home value in Rio Linda, California is approximately $458,300. 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.
Rio Linda, California Homeownership Rate
With a homeownership rate of 55.3%, significantly below the national average of 65.7%, Rio Linda, 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 Rio Linda, 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 $370,000 mortgage, based on a 20% down payment on the Rio Linda, California median home value.
| Interest Rate | Loan Term | Monthly Payment | Total Interest Paid |
|---|---|---|---|
| 6.754% | 30-year fixed | $2,401 | $494,287 |
| 7.254% Current Avg | 30-year fixed | $2,525 | $539,020 |
| 7.754% | 30-year fixed | $2,652 | $584,629 |
| 6.816% | 15-year fixed | $3,288 | $221,789 |
A 0.500% rate increase on a $370,000 loan adds roughly $127 per month and over $45,609 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 Rio Linda, 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.
Rio Linda, California Income & Housing Affordability
At a price-to-income ratio of 4.8x, Rio Linda, California is a relatively affordable housing market compared to national averages. 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 Rio Linda, California Buyers
With a median household income of $96,364 per year in Rio Linda, California ($8,030/month) and a median home value of approximately $458,300, a buyer financing at 80% LTV at the current average rate would commit roughly 31.4% 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.
Compared to the California statewide price-to-income ratio of 7.4x, Rio Linda is more affordable relative to local incomes than the California average, a relative bright spot for buyers within the state. In either case, even a 0.25% improvement in your mortgage rate meaningfully reduces both the income needed to qualify and the total cost over the loan term.
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 Rio Linda, 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 Rio Linda, 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 Rio Linda, California, the median homeowner with a mortgage pays approximately $1,852/month in total housing costs, covering the mortgage payment, property taxes, insurance, and utilities. The median renter pays $1,839/month including utilities. The $13/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 $238/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 Rio Linda, California, 32% of homeowners with mortgages are cost burdened and 48.8% 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. With an owner burden rate of 32% near the national average of 28.0%, this market reflects typical affordability conditions for mortgage holders.
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.
Rio Linda, California Mortgage Payment Calculator
See your estimated monthly principal & interest payment at today’s Rio Linda, 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 Rio Linda, California Home Loan
Rates are only part of the equation. Use these calculators to translate current Rio Linda, 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 Rio Linda, 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 Rio Linda, California.
CalculateTypes of Mortgages Available in Rio Linda, California
Not every loan program is right for every buyer in Rio Linda, 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 Rio Linda, 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 Rio Linda, 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 Rio Linda, 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 Rio Linda, 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 Rio Linda, 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 Rio Linda, 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 Rio Linda, 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 Rio Linda, 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 Rio Linda, 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 Rio Linda, 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 Rio Linda, 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 Rio Linda, 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 Rio Linda, 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 Rio Linda, California refinance rates from local lenders are listed on our refinance page.
Frequently Asked Questions about Mortgage Rates in Rio Linda, California
What are mortgage rates in Rio Linda, California today?
What are home loan rates in Rio Linda, CA today?
How does my credit score affect my rate in Rio Linda, California?
What is a 30-Year Fixed Mortgage?
What are closing costs in Rio Linda, California?
Should I lock my mortgage rate?
What is an Adjustable-Rate Mortgage (ARM)?
What is a Jumbo Loan in Rio Linda, California?
Do I need 20% down to buy a house in Rio Linda, California?
What is the difference between Interest Rate and APR?
How do I compare mortgage lenders in Rio Linda, California?
How do I get mortgage quotes in Rio Linda, California?
What is the median home value in Rio Linda, California?
What is the homeownership rate in Rio Linda, California?
What is the conforming loan limit in Rio Linda, California?
What is the median monthly cost of homeownership in Rio Linda, California?
What are the median property taxes in Rio Linda, California?
What is the median rent in Rio Linda, California?
What percentage of homeowners are cost burdened in Rio Linda, California?
What percentage of renters are cost burdened in Rio Linda, California?
What are the best Mortgage rates in Rio Linda, 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% (Mortgage - 30 Yr Fixed)
- The Golden 1 Credit Union: 6.75% (30-Year Fixed Conforming Purchase)
- Sofi Bank: 6.50% (VA 30-Year Fixed)
Rio Linda, California Rates & Resources
