Antioch, California—a growing city in the East Bay region of the San Francisco Bay Area—offers a unique mix of suburban charm and urban accessibility. As housing affordability continues to be a concern across California, Antioch stands out as one of the more attainable markets for both first-time homebuyers and investors. However, whether you’re buying a new home or refinancing an existing one, understanding the current mortgage rates is critical to making informed financial decisions.
As of June 2025, mortgage rates in Antioch are hovering around 6.75% for a 30-year fixed loan, reflecting broader national trends shaped by inflation, Federal Reserve policy, and market sentiment. These rates directly impact monthly payments, loan affordability, and long-term financial planning.
In this blog, we’ll take a deep dive into the current mortgage landscape in Antioch, covering average rates, key market factors, different loan options, and tips to help you secure the best possible terms. Whether you’re a local resident or considering a move to Antioch, this guide will provide valuable insights and up-to-date information to help you navigate the mortgage process with clarity and confidence.
Overview of Antioch’s Mortgage Landscape
Antioch, California, located in Contra Costa County, offers a more affordable alternative to the high-priced real estate markets of neighboring cities like Walnut Creek and Pleasant Hill. As of June 2025, the median home price in Antioch stands at approximately $595,000, reflecting a 5.3% decrease from the previous year.
Despite this relative affordability, prospective homebuyers in Antioch face challenges due to elevated mortgage rates. The average 30-year fixed mortgage rate is around 6.75%, influenced by national economic factors such as inflation and federal policies. These rates impact monthly payments and overall affordability, especially for first-time buyers.
The local housing market is characterized by a balanced to slightly buyer-favored environment. Homes in Antioch are selling in about 21 days, and properties are typically closing at or slightly below the asking price. This dynamic creates opportunities for buyers to negotiate favorable terms.
In response to these conditions, many buyers are exploring various mortgage options, including FHA and VA loans, which offer lower down payment requirements. Additionally, some sellers are offering incentives to attract buyers, including assistance with closing costs or home warranties.
Overall, while Antioch’s housing market presents opportunities for buyers, it’s essential to stay informed about mortgage rates and market trends to make well-informed decisions.
Current Mortgage Rates in Antioch, CA
Mortgage rates can vary based on several factors, including the type of loan, the borrower’s credit profile, and prevailing economic conditions. Here’s an overview of the average mortgage rates in Antioch as of June 2025:
- 30-Year Fixed Rate: Approximately 6.75%
- 15-Year Fixed Rate: Around 6.25%
- 5/1 Adjustable-Rate Mortgage (ARM): Approximately 6.50%
Antioch Housing Market Snapshot
Understanding mortgage rates in the context of the local housing market is crucial. Here’s a brief overview of Antioch’s real estate trends:
- Median Home Value: Approximately $615,777, reflecting a 0.9% decrease over the past year.
- Median Sale Price: Around $575,000, indicating a balanced market with homes selling close to the listing price.
- Market Dynamics: Homes in Antioch are selling in about 18 days, suggesting a moderately active market.
Factors Influencing Mortgage Rates in Antioch
Mortgage rates in Antioch, California, are shaped by a combination of national economic policies, local market conditions, and individual borrower profiles. Understanding these factors can help prospective homeowners navigate the lending landscape more effectively.
1. Federal Reserve Policies
The Federal Reserve’s decisions on the federal funds rate significantly impact mortgage rates. Currently, the federal funds rate ranges between 4.25% and 4.5%, as the Fed maintains a cautious approach to controlling inflation. While rate cuts are anticipated later in 2025, they are expected to be modest and may not lead to significant reductions in mortgage rates in the short term.
2. Inflation Trends
Inflation remains a key determinant of mortgage rates. Although inflation has moderated compared to the peaks of 2022, it continues to be above the Federal Reserve’s target of 2%. This persistent inflationary pressure contributes to higher borrowing costs, as lenders adjust rates to compensate for the reduced purchasing power of money over time.
3. 10-Year Treasury Yield
The yield on the 10-year U.S. Treasury note serves as a benchmark for mortgage rates. As of early June 2025, the yield stands at approximately 4.4%, up from 4.38% the previous week. This increase reflects investor concerns about fiscal policies and their potential impact on the economy.
4. Local Housing Market Conditions
In Antioch, the housing market is characterized by a balanced to slightly buyer-favored environment. Homes are selling in about 21 days, and properties are typically closing at or slightly below the asking price. These conditions can influence lenders’ willingness to offer favorable mortgage terms, as they assess the stability and liquidity of the local real estate market.
5. Borrower-Specific Factors
Individual financial profiles play a crucial role in determining mortgage rates. Lenders assess factors such as credit scores, debt-to-income ratios, down payments, and loan types to gauge risk. For instance, a higher credit score and a substantial down payment can lead to more favorable mortgage rates, as they indicate lower risk to lenders.
Tips for Securing the Best Mortgage Rate in Antioch
To obtain the most favorable mortgage rate:
- Maintain a Strong Credit Score: Aim for a score of 740 or higher to access the best rates.
- Save for a Larger Down Payment: A down payment of 20% or more can help you secure better terms.
- Consider Loan Term Length: Shorter-term loans, such as 15-year fixed mortgages, often come with lower rates.
- Shop Around: Obtain quotes from multiple lenders to compare rates and terms.
Conclusion: Navigating Mortgage Rates in Antioch with Confidence
In today’s dynamic housing market, understanding mortgage rates is more important than ever, especially in cities like Antioch, California, where affordability and opportunity intersect. While current mortgage rates hover around 6.75% for a 30-year fixed loan, they are subject to change based on national economic trends, local housing conditions, and personal financial profiles. Factors such as Federal Reserve policies, inflation trends, Treasury yields, and buyer demand all influence the rates available to borrowers.
Reliance Financial is a trusted mortgage broker serving California residents, including those in Antioch and the greater Bay Area. With a strong commitment to personalized service, Reliance Financial offers a wide range of mortgage solutions—from conventional loans to FHA, VA, and jumbo financing. Their team of licensed professionals works closely with clients to secure competitive rates, streamline the mortgage process, and make homeownership more accessible and stress-free.
Whether you’re a first-time buyer, a move-up homeowner, or looking to refinance, navigating these complexities can be challenging without expert guidance. That’s where informed decision-making and professional support become essential. By staying updated on rate trends, improving your financial standing, and exploring various loan products, you can position yourself to make the most of your investment in Antioch.
Frequently Asked Questions (FAQs)
Q1: How do current mortgage rates in Antioch compare to other California cities?
Mortgage rates in Antioch are generally in line with the state average. However, rates can vary based on local economic conditions and lender offerings.
Q2: Will mortgage rates in Antioch decrease soon?
While some analysts anticipate slight decreases in mortgage rates later in 2025, predicting exact movements is challenging due to various influencing factors.
Q3: What is the typical down payment required for a mortgage in Antioch?
Down payment requirements vary by loan type:
- Conventional Loans: Typically require 20% down.
- FHA Loans: Require as little as 3.5% down.
- VA Loans: Often require no down payment.
Q4: How can I improve my chances of securing a favorable mortgage rate?
Improving your credit score, saving for a larger down payment, and reducing existing debt can enhance your eligibility for better mortgage rates.
