Sacramento Mortgage Rates & Home Loans
Freedomstar Financial offers competitive mortgage rates on conventional, FHA, VA, and jumbo home loans in Sacramento, California (License #DRE01852897). Sacramento County uses the 2026 baseline conforming loan limit of $832,750 for a one-unit home, so most purchases are financed with standard conforming loans.
Sacramento offers relative affordability compared with California’s coastal metros, which keeps first-time buyer and move-up demand strong across the capital region. Most purchases fall within the standard conforming limit.
Today's Sacramento Mortgage Rates
Live best-execution California rates from our lender network — as of August 10, 2026 at 8:13 AM PDT.
Conventional 30-Yr Fixed
6.125%
APR 6.227%
High-Balance 30-Yr Fixed
6.250%
APR 6.344%
Jumbo 30-Yr Fixed
6.375%
APR 6.499%
VA 30-Yr Fixed
5.625%
APR 5.783%
Rates subject to change. See Rate Assumptions.
Sacramento Home Loan Facts
Median Home Price
~$560,000
Curated Sacramento estimate.
2026 Conforming Limit
$832,750
Sacramento County baseline reference.
County
Sacramento County
Loan limits are set at the county level.
Loan Limits & Market
Sacramento County uses the 2026 baseline conforming loan limit of $832,750 for a one-unit home, so most purchases are financed with standard conforming loans.
From Midtown and East Sacramento to Elk Grove, Roseville, and Folsom, the region draws buyers priced out of the Bay Area. Conventional and FHA loans dominate, and down payment assistance programs see steady use here.
Sacramento Highlights
- Baseline conforming limit of $832,750 (2026)
- More affordable than California coastal metros
- Strong first-time buyer and move-up demand
- CalHFA down payment assistance widely used
Property Taxes in California
California property tax is capped near 1% of assessed value under Proposition 13, with assessed value increases limited to 2% per year until a sale.
Market facts last updated July 21, 2026.
First-Time Buyer Programs in California
CalHFA MyHome Assistance
Deferred-payment junior loan to help cover down payment or closing costs.
CalHFA Conventional & FHA
Below-market first mortgages pairable with down payment assistance.
Program availability and terms are set by the administering agency and subject to change. Contact us to confirm current eligibility.
Licensed to Lend in Sacramento, California
Your Sacramento loans are handled by Ivan Hendren, NMLS #152318. Freedomstar Financial holds an active California mortgage license (#DRE01852897). See our full licensing & disclosures for details.
Meet Ivan HendrenSacramento Mortgage FAQ
What is the conforming loan limit in Sacramento for 2026?
Sacramento County uses the 2026 baseline conforming loan limit of $832,750 for a one-unit home. Loans above that amount are financed as jumbo loans.
Is Sacramento a good market for first-time buyers?
Yes. Sacramento is more affordable than California’s coastal metros, and first-time buyers frequently pair conventional or FHA financing with CalHFA down payment assistance.
Other California Markets
All of CaliforniaLos Angeles
Median ~$970,000
High-cost metro where jumbo and high-balance conforming loans are common.
San Diego
Median ~$920,000
Strong VA demand near military installations plus a high-cost purchase market.
San Jose
Median ~$1,500,000
Silicon Valley’s highest-cost metro where jumbo and high-balance loans dominate.
Orange County
Median ~$1,300,000
High-cost coastal Southern California market spanning Anaheim, Irvine, and Santa Ana.
San Francisco
Median ~$1,300,000
High-cost Bay Area metro where high-balance conforming and jumbo loans are standard.
Oakland / East Bay
Median ~$1,050,000
High-cost East Bay market drawing buyers priced out of San Francisco.
Inland Empire
Median ~$600,000
More affordable Southern California region using the baseline conforming limit.
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