Current Mortgage Rates in Fresno, CA

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Loan Type	Rate	APR	Points	Est. Monthly Payment
FHA 30-Year Fixed	6.875%	7.669%	1.773	$2,828
VA 30-Year Fixed	6.625%	7.033%	2.180	$2,758
Conventional 15-Year Fixed	6.500%	6.948%	2.108	$3,538
Conventional 30-Year Fixed	7.125%	7.369%	1.717	$2,847
Jumbo 30-Year Fixed	7.250%	7.461%	1.925	$7,548

Loan Type	Rate	APR	Points	Est. Monthly Payment
FHA 30-Year Refinance	7.000%	7.841%	2.295	$2,858
VA 30-Year Refinance	7.000%	7.304%	2.500	$2,829
Conventional 15-Year Refinance	6.750%	7.236%	2.441	$3,586
Conventional 30-Year Refinance	7.250%	7.555%	2.433	$2,876
Jumbo 30-Year Refinance	7.250%	7.502%	2.250	$7,548

Loan Type	Rate	APR	Points	Est. Monthly Payment

FHA 30-Year Fixed: Interest rate offered based on $356,125 loan amount with 7.669% APR and $2,828 monthly payment at 70% loan-to-value (LTV) and 1.773 discount points. Payment is Principal, Interest, estimated property taxes and estimated homeowners insurance example only. Rate shown is current as of October 19, 2026.

VA 30-Year Fixed: Interest rate offered based on $354,375 loan amount with 7.033% APR and $2,758 monthly payment at 70% loan-to-value (LTV) and 2.180 discount points. Payment is Principal, Interest, estimated property taxes and estimated homeowners insurance example only. Rate shown is current as of October 19, 2026.

Conventional 15-Year Fixed: Interest rate offered based on $350,000 loan amount with 6.948% APR and $3,538 monthly payment at 70% loan-to-value (LTV) and 2.108 discount points. Payment is Principal, Interest, estimated property taxes and estimated homeowners insurance example only. Rate shown is current as of October 19, 2026.

Conventional 30-Year Fixed: Interest rate offered based on $350,000 loan amount with 7.369% APR and $2,847 monthly payment at 70% loan-to-value (LTV) and 1.717 discount points. Payment is Principal, Interest, estimated property taxes and estimated homeowners insurance example only. Rate shown is current as of October 19, 2026.

Jumbo 30-Year Fixed: Interest rate offered based on $950,001 loan amount with 7.461% APR and $7,548 monthly payment at 70% loan-to-value (LTV) and 1.925 discount points. Payment is Principal, Interest, estimated property taxes and estimated homeowners insurance example only. Rate shown is current as of October 1, 2026.

Estimated property taxes are based on a 0.81% effective rate for Fresno County, California, applied to the property value for each scenario shown. Rate is median real estate tax paid by households with a mortgage divided by median home value, per the American Community Survey 2020–2024. Taxes shown are an estimate only and vary by property.

Estimated homeowners insurance is based on an average annual premium of $1,820 for Fresno, CA, divided by twelve. That average covers existing homes of all values in the area, not the property value shown. Insurance shown is an estimate only and varies by property, coverage and carrier.

FHA 30-Year Refinance: Interest rate offered based on $356,125 loan amount with 7.841% APR and $2,858 monthly payment at 70% loan-to-value (LTV) and 2.295 discount points. Payment is Principal, Interest, estimated property taxes and estimated homeowners insurance example only. Rate shown is current as of October 19, 2026.

VA 30-Year Refinance: Interest rate offered based on $351,750 loan amount with 7.304% APR and $2,829 monthly payment at 70% loan-to-value (LTV) and 2.500 discount points. Payment is Principal, Interest, estimated property taxes and estimated homeowners insurance example only. Rate shown is current as of October 1, 2026.

Conventional 15-Year Refinance: Interest rate offered based on $350,000 loan amount with 7.236% APR and $3,586 monthly payment at 70% loan-to-value (LTV) and 2.441 discount points. Payment is Principal, Interest, estimated property taxes and estimated homeowners insurance example only. Rate shown is current as of October 19, 2026.

Conventional 30-Year Refinance: Interest rate offered based on $350,000 loan amount with 7.555% APR and $2,876 monthly payment at 70% loan-to-value (LTV) and 2.433 discount points. Payment is Principal, Interest, estimated property taxes and estimated homeowners insurance example only. Rate shown is current as of October 19, 2026.

Jumbo 30-Year Refinance: Interest rate offered based on $950,001 loan amount with 7.502% APR and $7,548 monthly payment at 70% loan-to-value (LTV) and 2.250 discount points. Payment is Principal, Interest, estimated property taxes and estimated homeowners insurance example only. Rate shown is current as of October 1, 2026.

Estimated monthly payment includes principal, interest, estimated Fresno, CA property taxes, and estimated homeowners insurance.

Fresno housing market at a glance

September 2026 data

In Fresno, homes are selling in about 56 days (4 slower than a year ago), sales are up 18.1% from last year, and about 17% of listings have had a price cut.

Median sale price

$435,000

$250 per sq. ft.

Homes sold

1,941

▲ 18.1% vs. 1,643 last year

Days on market

vs. 52 days last year

Homes for sale

1,596

138 new listings

Listings with a price cut

17%

277 of 1,596 listings

Source: Movoto Fresno, CA market trends, September 2026. Last updated October 5, 2026.

What it costs to buy a home in Fresno

Monthly payments on Fresno's median home price of $435,000 (September 2026), at today's rates.

20% down · Conventional

$2,790/mo

Down payment: $87,000
Loan amount: $348,000
Rate: 7.125%
Principal & interest: $2,345
Est. property tax: $294
Est. homeowners insurance: $152

5% down · Conventional

$3,229/mo

Down payment: $21,750
Loan amount: $413,250
Rate: 7.125%
Principal & interest: $2,784
Est. property tax: $294
Est. homeowners insurance: $152

3.5% down · FHA

$3,251/mo

Down payment: $15,225
Loan amount: $427,121
Rate: 6.875%
Principal & interest: $2,806
Est. property tax: $294
Est. homeowners insurance: $152

Payments include principal, interest, estimated Fresno property taxes, and estimated homeowners insurance. They do not include mortgage insurance (PMI or FHA monthly MIP), which applies with less than 20% down, or HOA dues. The FHA loan amount includes the 1.75% upfront mortgage insurance premium. These are examples based on the median price, not the sample loan used in the rate table above.

How much income do you need to buy a home in Fresno?

A common lender guideline is to keep your total housing payment (principal, interest, estimated Fresno property taxes, and estimated homeowners insurance) at or below 28% of your gross monthly income. Gross income is what you earn before taxes and other deductions come out of your paycheck. Based on that guideline, here's the yearly household income needed for Fresno's $435,000 median home:

20% down · Conventional$2,790/mo payment $119,567/yrabout $9,964/mo before taxes

5% down · Conventional$3,229/mo payment $138,407/yrabout $11,534/mo before taxes

3.5% down · FHA$3,251/mo payment $139,339/yrabout $11,612/mo before taxes

Why this matters: Keeping housing costs near 28% of your income leaves room for other bills, savings and the upkeep that comes with owning a home. It's a planning guideline, not a hard limit.

What lenders look at: Lenders also look at your debt-to-income (DTI) ratio, which adds your car, student loan and credit card payments to the new mortgage payment. Depending on the loan program and your credit, many lenders allow total debts of roughly 43% to 50% of gross income, so you may qualify with less income than shown, or need more if you carry other debt.

Household income counts: If you're buying with a partner or co-borrower, lenders can combine your incomes.

How rates change your payment

Principal and interest on a $348,000 loan (the Fresno median price with 20% down). Every 0.25% is worth about $58/mo.

Rate	6.13%	6.38%	6.63%	6.88%	7.13% today	7.38%
Monthly P&I	$2,114	$2,171	$2,228	$2,286	$2,345	$2,404

Ways to make a Fresno home more affordable

Negotiate on price. About 17% of Fresno listings have had a price cut, so many sellers are open to offers.
Ask for seller concessions. Homes take 56 days to sell, 4 more than last year. Sellers may cover closing costs or pay for a rate buydown.
Consider buying down your rate. On this example loan, a rate 0.5% lower saves about $116 a month.
Compare loan types. FHA rates are at 6.875% vs. 7.125% for conventional, with as little as 3.5% down. Compare by APR, including mortgage insurance.

Fresno mortgage and home buying FAQs

What are mortgage rates in Fresno today?

As of October 19, 2026, Lower’s 30-year fixed conventional rate in Fresno is 7.125% (7.369% APR), and the 30-year FHA rate is 6.875% (7.669% APR). Your rate depends on your credit, down payment, loan type and any points you pay. See the rate table above for points and full details.

What is the monthly payment on a median-priced home in Fresno?

On Fresno’s $435,000 median home price (September 2026), a 30-year conventional loan with 20% down at 7.125% comes to about $2,790 a month, including principal, interest, estimated Fresno property taxes, and estimated homeowners insurance. With an FHA loan and 3.5% down, it’s about $3,251 a month before monthly mortgage insurance.

How much income do I need to buy a house in Fresno?

To keep housing costs at 28% of gross (pre-tax) income, you’d need a household income of about $119,567 a year to buy Fresno’s $435,000 median home with 20% down, or about $139,339 with an FHA loan and 3.5% down. Lenders also consider your other debts, so the income you need may be higher or lower.

How much do I need for a down payment in Fresno?

On the $435,000 median home, 20% down is $87,000, 5% down is $21,750, and the FHA minimum of 3.5% is $15,225. Putting less than 20% down usually means paying mortgage insurance. You’ll also need money for closing costs.

Is it a buyer’s or seller’s market in Fresno right now?

In September 2026, Fresno homes sold in about 56 days, 4 days slower than a year earlier. 1941 homes sold, up from 1643 the year before, and about 17% of the 1596 homes for sale have had a price cut. Slower sales and frequent price cuts generally give buyers more room to negotiate than a year ago.

How much does a quarter-point rate change affect payments in Fresno?

On a $348,000 loan (the median Fresno home with 20% down), each 0.25% change in rate moves the principal and interest payment by about $58 a month, or about $701 a year.

How much are property taxes in Fresno?

Lower estimates Fresno property taxes at about 0.81% of a home’s value per year. On the $435,000 median home, that’s roughly $3,524 a year, or $294 a month. Your actual bill depends on your assessed value and any exemptions.

Market data: Movoto, September 2026. Homeowners insurance estimates are based on average annual premiums in Fresno from The Zebra; your quote will vary. Rates as of October 19, 2026. Examples only; not an offer of credit. Your rate and payment depend on your credit, down payment, loan type and other factors.

Loan officers in Fresno, CA

Local experts who can walk you through today's Fresno rates, your budget and the loan options that fit.

Craig Barton

Branch Manager

NMLS ID# 235952

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Richelle Gaarde

Loan Officer

NMLS ID# 2156187

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5.0

Help and advice to buyer seemed number one. Very pleasant to work with. Thanks for everything!

Joyce L.

Verified Customer

January 8, 2026

5.0

Craig was a pleasure to work with. We were going through escrow during the busy holiday season, and Craig continued to answer our calls, took the time to answer all our questions, and listened to all our conce…rns. His guidance through the process was top-notch. Thank you, Craig!

Janelle M.

Verified Customer

January 13, 2026

5.0

Craig was a pleasure to do business with. He made the home buying process (which can be very strenuous at times) enjoyable. I highly recommend .

Stephen E.

Verified Customer

January 14, 2026

Joyce L. rated Craig Barton 5.0 stars: Help and advice to buyer seemed number one. Very pleasant to work with. Thanks for everything! Janelle M. rated Craig Barton 5.0 stars: Craig was a pleasure to work with. We were going through escrow during the busy holiday season, and Craig continued to answer our calls, took the time to answer all our questions, and listened to all our concerns. His guidance through the process was top-notch. Thank you, Craig! Stephen E. rated Craig Barton 5.0 stars: Craig was a pleasure to do business with. He made the home buying process (which can be very strenuous at times) enjoyable. I highly recommend .

Fresno, CA Mortgage Rates Today