Best Mortgage Rates in Orange County, California
County between Los Angeles and San Diego with high median home values.
Rate data: Freddie Mac PMMS · Updated August 1, 2026 (build 2026-08-01)
| Loan Type | Orange County | California Avg | National |
|---|---|---|---|
| 30-Year Fixed | 6.650% | 6.550% | 6.625% |
| 15-Year Fixed | 5.900% | 5.800% | 5.875% |
| 30-Year FHA | 6.400% | 6.300% | 6.375% |
| 30-Year VA | 6.150% | 6.050% | 6.125% |
County figures are the California average adjusted for local market conditions. Actual rates vary by lender, credit score, and loan size.
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Frequently Asked Questions
What is the average mortgage rate in Orange County, California?
The average 30-year fixed rate in Orange County is about 6.650% as of August 1, 2026, based on the state average of 6.550% adjusted for local market conditions. Your actual rate depends on credit score, loan size, and lender.
How much house can I afford in Orange County?
With a typical 20% down payment and the 6.650% county-average rate, a $100,000 household income qualifies for roughly a $400,000-$450,000 home before property taxes and insurance. Use our affordability calculator for your exact numbers.
Should I get a 15-year or 30-year mortgage in Orange County?
A 15-year loan runs about 5.900% in Orange County — around 0.75% lower than a 30-year — but the monthly payment is roughly 40-50% higher. Choose 15 years if you want to minimize total interest; choose 30 if monthly cash flow matters more.