Huntington Beach Mortgage Rates 2025
Your guide to financing homes in "Surf City USA".
Huntington Beach, CA Mortgage Rates Today
Current Huntington Beach mortgage rates range from 6.50% to 7.60%. As a quintessential Southern California beach city, the market is a mix of high-balance conventional loans for inland properties and jumbo loans for homes closer to the coast.
Quick Answer: The Huntington Beach mortgage market caters to affluent families and professionals drawn to the coastal lifestyle. With a median price over $1.2M, buyers need to be prepared with a strong financial profile to secure jumbo or high-balance conventional financing.
Median Price
$1,200,000
Avg. Days on Market
42
1-Year Appreciation
+5.5%
Most Common Loan
Jumbo/Conventional
Current Huntington Beach Mortgage Rates
Average Rates This Week
| Loan Type | Rate Range | Down Payment | Best For |
|---|---|---|---|
| 30-Year Jumbo | 6.60% - 7.50% | 20-25% | Homes over $1.15M |
| 30-Year Fixed Conventional | 6.35% - 7.15% | 10-20% | Homes & condos under $1.15M |
| VA 30-Year Fixed | 5.85% - 6.60% | 0% | Eligible veterans |
Rates updated October 26, 2025.
Huntington Beach Mortgage Payment Examples
Median Home Purchase (Jumbo)
Home Price: $1,200,000
Down Payment: 20% ($240,000)
Loan Amount: $960,000
Interest Rate: 6.90%
Monthly Payment Breakdown:
- Principal & Interest: $6,310
- Property Taxes: $725 ($1.2M × 0.725%)
- Homeowners Insurance: $250
- Total Monthly Payment: $7,285
Annual Income Needed: ~$310,000
Inland Condo Purchase (Conventional)
Home Price: $800,000
Down Payment: 20% ($160,000)
Loan Amount: $640,000
Interest Rate: 6.75%
Total Monthly Payment: $5,100 (incl. HOA, taxes)
Income Required: ~$215,000/year
Huntington Beach Home Loan Programs
1. Jumbo Loans
With a median price exceeding the conforming limit, jumbo loans are essential for most single-family home purchases in Huntington Beach.
Key Features:
- For loans over the $1,149,825 OC limit.
- 20% down payment is standard.
- Requires excellent credit (720+) and significant reserves.
Best For:
- Buyers in Downtown HB or west of the PCH.
- High-income professionals.
2. High-Balance Conventional Loans
This loan is crucial for the more affordable inland areas of Huntington Beach, financing condos and smaller homes priced under the county's high-balance limit.
Key Features:
- Finance properties up to $1,149,825.
- More flexible underwriting than jumbo loans.
Best For:
- Buyers of condos and townhomes.
- Families purchasing homes further from the coast.
Huntington Beach Neighborhood Guide
Downtown
$1M - $3M+
Home Type: Condos & SFR near Main St.
Typical Loan: Jumbo/Conventional
Buyer Profile: Young professionals, investors
Seacliff
$1.5M - $5M
Home Type: Gated, Luxury SFR
Typical Loan: Jumbo
Buyer Profile: Executives, families
Huntington Harbour
$1.2M - $4M
Home Type: Waterfront homes, condos
Typical Loan: Jumbo
Buyer Profile: Boaters, families
Getting Pre-Approved
Pre-Approval in Huntington Beach
The market for desirable homes in Huntington Beach is very competitive. A strong pre-approval for a jumbo or high-balance conventional loan is essential to show sellers you are a serious, qualified buyer.
Mortgage & Housing FAQ
What income is needed to buy in Huntington Beach?
To afford a median-priced home (~$1.2M), a household income of around $310,000 is needed. For a condo, an income of $215,000+ would be required.
Are there more affordable areas in Huntington Beach?
Yes, the areas further inland (east of the 405 freeway) tend to offer more affordable single-family homes and condos compared to the neighborhoods west of the Pacific Coast Highway.