Anaheim Mortgage Rates 2025
Your guide to home loans in Anaheim, California.
Anaheim, California Mortgage Rates Today
Current Anaheim mortgage rates range from 6.30% to 7.65% depending on the loan program and borrower's credit profile. Anaheim is in Orange County, which has high-cost conforming loan limits of $1,149,825. Conventional and FHA loans are most common for financing homes and condos in Anaheim, with typical down payments ranging from 3.5% to 10%.
Quick Answer: Anaheim mortgage rates are vital for buyers in a diverse and active housing market. With home prices more accessible than coastal OC cities, understanding conventional and FHA loan options within Orange County's high-balance limits is key for many families and first-time buyers.
Median Home Price
$820,000
Avg. Days on Market
32
1-Year Appreciation
+6.5%
Most Common Loan
Conventional
Current Anaheim Mortgage Rates by Loan Type
Average Anaheim Rates This Week
| Loan Type | Rate Range | Down Payment | Best For |
|---|---|---|---|
| 30-Year Fixed Conventional | 6.30% - 7.15% | 5-20% | Most buyers, good credit |
| FHA 30-Year Fixed | 5.85% - 6.65% | 3.5% | First-time buyers, lower credit |
| VA 30-Year Fixed | 5.70% - 6.45% | 0% | Eligible veterans and military |
| 15-Year Fixed Conventional | 5.60% - 6.35% | 10-20% | Building equity faster |
Rates updated October 26, 2025. Your actual rate depends on credit score, down payment, property type, and lender selection.
Anaheim Mortgage Payment Examples
Median Anaheim Home Purchase
Home Price: $820,000
Down Payment: 10% ($82,000)
Loan Amount: $738,000
Interest Rate: 6.75% (Conventional)
Monthly Payment Breakdown:
- Principal & Interest: $4,787
- Property Taxes: $494 ($820k × 0.725%)
- Homeowners Insurance: $142
- PMI: $277
- Total Monthly Payment: $5,700
Annual Income Needed: ~$245,000
Calculate your payment →FHA Loan in Anaheim (Condo)
Home Price: $600,000
Down Payment: 3.5% FHA ($21,000)
Loan Amount: $589,500 (incl. UFMIP)
Interest Rate: 6.35%
Total Monthly Payment: $4,580
Income Required: ~$160,000/year
Anaheim Home Loan Programs
1. Conventional Mortgages in Anaheim
Conventional loans are the most common choice for Anaheim buyers, especially with the high-balance limit allowing for purchases up to $1.15M without needing a jumbo loan.
Key Features:
- Finance homes up to $1,149,825.
- Down payments from 5-20% are typical.
- Best rates for those with 700+ credit scores.
- Ideal for single-family homes and condos.
Best For:
- Buyers with good credit and savings.
- Move-up buyers selling a previous home.
- Those purchasing homes between $600k and $1.1M.
2. FHA Loans in Anaheim
FHA loans are a key tool for first-time buyers in Anaheim, offering low down payments and flexible credit requirements to enter the competitive OC market.
Key Features:
- Orange County FHA limit: $1,149,825
- 3.5% minimum down payment.
- Credit scores as low as 580 are accepted.
- Great for buying condos or townhomes.
Best For:
- First-time buyers with limited cash for a down payment.
- Borrowers with credit scores in the 600s.
- Families needing flexible DTI ratios.
Anaheim Neighborhood Mortgage Guide
Anaheim Hills
$900K - $1.6M
Home Type: Upscale SFR
Schools: Excellent
Typical Loan: Conventional/Jumbo
Buyer Profile: Families, professionals
West Anaheim
$650K - $900K
Home Type: Older SFR & Duplexes
Schools: Average
Typical Loan: FHA/Conventional
Buyer Profile: First-time buyers, investors
The Colony
$600K - $850K
Home Type: Historic Homes, Condos
Schools: Good
Typical Loan: Conventional
Buyer Profile: Young professionals, history buffs
Platinum Triangle
$550K - $1M
Home Type: Modern Condos & Townhomes
Schools: N/A
Typical Loan: Conventional
Buyer Profile: Sports fans, young professionals
Orange County Loan Limits & Taxes
Orange County 2025 Loan Limits
- Conforming Loan Limit: $1,149,825
- FHA Loan Limit: $1,149,825
- VA Loan Limit: No limit with full entitlement
What This Means for Anaheim Buyers: The high-balance limit is a major advantage. It means you can buy a home for up to $1.2M with a low-down-payment conventional loan, avoiding the stricter requirements of a jumbo loan.
Anaheim Property Taxes
Effective Tax Rate: ~0.725% (Base) + special assessments
- On $820K home: ~$494/month (base)
Anaheim-Specific Tax Considerations: While lower than some parts of OC, some newer developments, especially in Anaheim Hills, may have Mello-Roos taxes. It's important to check the tax details for any specific property.
Getting Pre-Approved for an Anaheim Mortgage
Why Pre-Approval is Important in Anaheim
The Anaheim market is competitive, with homes often receiving multiple offers. A pre-approval letter shows sellers that you are a serious, qualified buyer capable of closing the deal.
- Compete effectively against other offers.
- Understand your budget before you start house hunting.
- Enable a faster closing period (typically 30 days).
- Gives you negotiating power.
Anaheim Mortgage & Housing Market FAQ
What is the average mortgage payment in Anaheim?
The average mortgage payment in Anaheim is around $5,500 to $6,200 per month for a median-priced home of $820,000 with a 10% down payment. This includes taxes, insurance, and PMI.
What income do I need to buy a house in Anaheim?
For a median-priced home in Anaheim (~$820,000) with a 10% down payment, a household income of approximately $240,000 to $260,000 is generally required to comfortably qualify for a conventional loan.
How much down payment do I need in Anaheim?
For conventional loans, 5-10% down is common. FHA loans require a minimum of 3.5%. For a median-priced home of $820,000, this translates to a down payment of $28,700 (FHA) to $82,000 (10% conventional).