Oceanside Mortgage Rates 2025
Your guide to home loans in Oceanside, California.
Oceanside, California Mortgage Rates Today
Current Oceanside mortgage rates range from 5.65% for VA loans to 7.00% for conventional financing. Due to its proximity to Camp Pendleton, Oceanside has one of the highest concentrations of VA loan users in the nation. The market is also popular with first-time buyers using FHA and conventional loans.
Quick Answer: Oceanside's mortgage market is heavily influenced by its military community. The VA loan is the most important financing tool here, allowing service members to buy homes with no down payment. For non-military buyers, FHA and conventional loans are popular choices for this affordable coastal city.
Median Home Price
$815,000
Avg. Days on Market
33
1-Year Appreciation
+6.5%
Most Common Loan
VA Loan
Current Oceanside Mortgage Rates by Loan Type
Average Oceanside Rates This Week
| Loan Type | Rate Range | Down Payment | Best For |
|---|---|---|---|
| VA 30-Year Fixed | 5.65% - 6.30% | 0% | Camp Pendleton military, veterans |
| FHA 30-Year Fixed | 5.80% - 6.55% | 3.5% | First-time buyers |
| 30-Year Fixed Conventional | 6.20% - 7.00% | 5-20% | Buyers with good credit, non-military |
| 15-Year Fixed Conventional | 5.55% - 6.30% | 10-20% | Building equity faster |
Rates updated October 26, 2025. Your actual rate depends on credit score, down payment, property type, and lender selection.
Oceanside Mortgage Payment Examples
VA Loan Purchase in Oceanside
Home Price: $815,000
Down Payment: 0% ($0)
Loan Amount: $832,722 (incl. 2.15% funding fee)
Interest Rate: 6.10% (VA)
Monthly Payment Breakdown:
- Principal & Interest: $5,042
- Property Taxes: $503 ($815k × 0.74%)
- Homeowners Insurance: $136
- Total Monthly Payment: $5,681
Annual Income Needed: ~$175,000
Calculate your payment →Conventional Loan in Oceanside
Home Price: $750,000
Down Payment: 10% ($75,000)
Loan Amount: $675,000
Interest Rate: 6.65% (Conventional)
Total Monthly Payment: $5,280 (incl. taxes, insurance, PMI)
Income Required: ~$180,000/year
Oceanside Home Loan Programs
1. VA Loans in Oceanside
The VA loan is the most important financial tool for the Oceanside community. Its zero-down feature allows military members from nearby Camp Pendleton to buy homes and build equity while serving.
Key Features:
- $0 Down Payment Required: Crucial for service members without large cash reserves.
- No Monthly PMI: Saves hundreds of dollars every month compared to other loans.
- No Loan Limit: Veterans with full entitlement can buy homes over $1M with $0 down.
- Flexible Credit Requirements: Easier to qualify for than conventional loans.
Best For:
- Active-duty Marines and Navy personnel.
- Veterans settling in North County San Diego.
- Any eligible service member looking to purchase a home.
2. FHA Loans in Oceanside
For non-military first-time buyers, the FHA loan is a popular choice, offering a low down payment and flexible underwriting for Oceanside's diverse housing stock.
Key Features:
- 3.5% minimum down payment.
- San Diego County FHA limit of $1,006,250.
- Credit scores down to 580 are accepted.
- Great for buying older homes or condos that may need some work.
Best For:
- First-time buyers who are not VA-eligible.
- Buyers with less than 10% for a down payment.
- Those with credit scores below 680.
Oceanside Neighborhood Mortgage Guide
Fire Mountain
$900K - $1.5M
Home Type: Custom Homes, Large Lots
Schools: Good
Typical Loan: Conventional / VA
Buyer Profile: Families, move-up buyers
Rancho Del Oro
$750K - $1M
Home Type: Master-Planned SFR
Schools: Very Good
Typical Loan: VA / Conventional
Buyer Profile: Families, commuters
South Oceanside
$800K - $1.3M
Home Type: Beach Cottages, Condos
Schools: Good
Typical Loan: Conventional
Buyer Profile: Surfers, young professionals
Arrowood
$850K - $1.2M
Home Type: Newer Homes, Golf Course
Schools: Good
Typical Loan: VA / Conventional
Buyer Profile: Families, golf enthusiasts
San Diego County Loan Limits & Taxes
San Diego County 2025 Loan Limits
- Conforming Loan Limit: $1,006,250
- FHA Loan Limit: $1,006,250
- VA Loan Limit: No limit with full entitlement
What This Means for Oceanside Buyers: The high loan limits allow most homes in Oceanside to be purchased with flexible government-backed (FHA/VA) or conventional loans, avoiding jumbo loan requirements.
Getting Pre-Approved for an Oceanside Mortgage
Why Pre-Approval is Critical in Oceanside
Oceanside's market is fast-paced. A pre-approval letter, especially a VA pre-approval, shows you are a serious buyer ready to make a competitive offer.
Oceanside Mortgage & Housing Market FAQ
What income do I need to buy a house in Oceanside?
For a median-priced home (~$815,000) using a VA loan with $0 down, a household income of roughly $175,000 is needed. For a conventional loan with 10% down, you would need an income closer to $190,000.
Is Oceanside a good place to buy for military families?
Yes, Oceanside is one of the most popular places for military families stationed at Camp Pendleton. The proximity to base, strong community, and the power of the VA loan make it an ideal location to buy a home and build equity during a tour of duty.