Anaheim FHA Loan Rates, Closing Costs & Stats

ANAHEIM-SANTA ANA-IRVINE, CA

FHA loans are mortgages created in the 1930's to help insulate lenders from credit risks and help promote home ownership. The Federal Housing Administration (hence, FHA) allows for lower downpayments and credit scores-- making these loans much more accessible than traditional mortgages.

FHA loans typically need just a 3.5% downpayment with credit scores of 580 or better. For credit scores between 500-579, the downpayment needs to be at least 10%.

While FHA loans make home ownership much more accessible to first-time homebuyers, they do require PMI (purchase money insurance)-- an additional insurance premium that is paid to the FHA to help cover defaults.

For additional requirements as defined by the FHA, click here.

Anaheim FHA Loans, 30 Year Fixed Rates

30 Year FHA mortgages in Anaheim averaged 0% for the week of 2025-04-11, compared to the national average (all FHA variants) of 6.429% for the same period.

Anaheim's average FHA mortgage closing costs are $0.

The average rate for the prior week (2025-04-04) was 0% and one month ago for the week of 2025-03-07, the average rate was 0%.

The average rate one year ago was 0%.

For refis of the same type during the week of 2025-04-11, the average rate was 0%.

Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

Anaheim FHA Loan Lenders by Rates & Fees

The below table looks at the average fees/closing costs and rates for FHA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Anaheim level.

Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs

The lowest fee Anaheim FHA lenders (with over 10 loans originated) are .

The lowest rate Anaheim FHA lenders (with over 10 loans originated) are .


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Anaheim (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
2018-01-01 $778,250 (9.7%) $1,736,123 (14.6%) 2.89 12,707
2018-02-01 $789,250 (7.8%) $1,725,434 (11.2%) 2.87 13,760
2018-03-01 $799,900 (5.8%) $1,721,041 (6.8%) 2.81 14,581
2018-04-01 $825,000 (6.5%) $1,701,177 (4.8%) 2.80 15,990
2018-05-01 $824,450 (3.9%) $1,701,830 (4.0%) 2.75 17,287
2018-06-01 $820,000 (4.3%) $1,686,038 (3.7%) 2.73 18,772
2018-07-01 $799,975 (2.7%) $1,651,173 (2.9%) 2.67 20,303
2018-08-01 $784,450 (2.0%) $1,584,537 (-1.3%) 2.63 21,228
2018-09-01 $769,200 (0.0%) $1,559,038 (-3.0%) 2.59 22,128
2018-10-01 $762,500 (-0.5%) $1,557,410 (-4.8%) 2.58 22,809
2018-11-01 $753,500 (-2.1%) $1,549,112 (-6.8%) 2.55 22,803
2018-12-01 $749,000 (-3.7%) $1,569,179 (-9.7%) 2.58 20,249
2019-01-01 $741,250 (-4.8%) $1,567,489 (-9.7%) 2.56 18,976
2019-02-01 $749,450 (-5.0%) $1,602,051 (-7.2%) 2.53 19,543
2019-03-01 $770,571 (-3.7%) $1,632,488 (-5.2%) 2.52 19,911
2019-04-01 $798,500 (-3.2%) $1,650,997 (-3.0%) 2.54 20,308
2019-05-01 $805,000 (-2.4%) $1,679,888 (-1.3%) 2.52 21,470
2019-06-01 $825,000 (0.6%) $1,677,854 (-0.5%) 2.58 21,741
2019-07-01 $829,950 (3.8%) $1,689,220 (2.3%) 2.60 22,093
2019-08-01 $836,091 (6.6%) $1,703,692 (7.5%) 2.65 21,518
2019-09-01 $837,727 (8.9%) $1,727,463 (10.8%) 2.68 20,560
2019-10-01 $836,818 (9.8%) $1,750,053 (12.4%) 2.70 19,670
2019-11-01 $835,000 (10.8%) $1,809,367 (16.8%) 2.74 17,778
2019-12-01 $845,000 (12.8%) $1,896,057 (20.8%) 2.82 14,152
2020-01-01 $849,000 (14.5%) $1,956,413 (24.8%) 2.84 12,822
2020-02-01 $889,000 (18.6%) $1,993,844 (24.5%) 2.91 12,891
2020-03-01 $908,500 (17.9%) $2,004,069 (22.8%) 2.85 12,819
2020-04-01 $855,000 (7.1%) $1,829,547 (10.8%) 2.68 13,319
2020-05-01 $875,000 (8.7%) $1,820,358 (8.4%) 2.66 15,151
2020-06-01 $917,000 (11.2%) $1,918,493 (14.3%) 2.70 15,155
2020-07-01 $947,000 (14.1%) $2,002,816 (18.6%) 2.74 14,649
2020-08-01 $950,000 (13.6%) $2,039,166 (19.7%) 2.72 14,426
2020-09-01 $949,475 (13.3%) $2,019,469 (16.9%) 2.72 14,549
2020-10-01 $949,500 (13.5%) $2,028,792 (15.9%) 2.72 14,837
2020-11-01 $949,500 (13.7%) $2,057,568 (13.7%) 2.78 14,197
2020-12-01 $949,450 (12.4%) $2,167,504 (14.3%) 2.82 12,032
2021-01-01 $950,000 (11.9%) $2,271,561 (16.1%) 2.84 10,268
2021-02-01 $969,000 (9.0%) $2,348,451 (17.8%) 2.82 9,944
2021-03-01 $970,000 (6.8%) $2,318,254 (15.7%) 2.75 9,753
2021-04-01 $974,925 (14.0%) $2,285,108 (24.9%) 2.64 9,784
2021-05-01 $975,000 (11.4%) $2,295,012 (26.1%) 2.59 9,726
2021-06-01 $966,950 (5.5%) $2,268,145 (18.2%) 2.55 10,228
2021-07-01 $949,999 (0.3%) $2,184,845 (9.1%) 2.51 11,067
2021-08-01 $921,223 (-3.0%) $2,131,113 (4.5%) 2.46 11,122
2021-09-01 $912,100 (-3.9%) $2,120,682 (5.0%) 2.43 10,569
2021-10-01 $925,000 (-2.6%) $2,167,961 (6.9%) 2.47 10,089
2021-11-01 $910,000 (-4.2%) $2,219,415 (7.9%) 2.43 8,871
2021-12-01 $909,725 (-4.2%) $2,347,834 (8.3%) 2.46 7,097
2022-01-01 $920,000 (-3.2%) $2,487,238 (9.5%) 2.49 6,105
2022-02-01 $949,000 (-2.1%) $2,520,710 (7.3%) 2.47 6,506
2022-03-01 $975,000 (0.5%) $2,457,614 (6.0%) 2.44 6,938
2022-04-01 $980,000 (0.5%) $2,351,919 (2.9%) 2.34 7,541
2022-05-01 $992,875 (1.8%) $2,244,648 (-2.2%) 2.27 10,013
2022-06-01 $996,500 (3.1%) $2,152,879 (-5.1%) 2.22 11,977
2022-07-01 $970,000 (2.1%) $2,020,076 (-7.5%) 2.19 14,721
2022-08-01 $950,000 (3.1%) $1,962,212 (-7.9%) 2.20 15,038
2022-09-01 $949,450 (4.1%) $1,976,198 (-6.8%) 2.22 14,466
2022-10-01 $940,000 (1.6%) $1,966,289 (-9.3%) 2.21 14,600
2022-11-01 $933,944 (2.6%) $1,999,820 (-9.9%) 2.25 14,344
2022-12-01 $935,000 (2.8%) $2,089,747 (-11.0%) 2.31 12,280
2023-01-01 $938,458 (2.0%) $2,182,624 (-12.3%) 2.32 10,562
2023-02-01 $973,500 (2.6%) $2,408,719 (-4.4%) 2.35 9,824
2023-03-01 $999,500 (2.5%) $2,533,623 (3.1%) 2.36 9,238
2023-04-01 $1,099,999 (12.2%) $2,633,826 (12.0%) 2.56 8,853
2023-05-01 $1,150,222 (15.9%) $2,688,308 (19.8%) 2.61 9,038
2023-06-01 $1,169,975 (17.4%) $2,665,519 (23.8%) 2.63 9,471
2023-07-01 $1,195,000 (23.2%) $2,668,644 (32.1%) 2.72 9,989
2023-08-01 $1,162,500 (22.4%) $2,581,851 (31.6%) 2.67 10,502
2023-09-01 $1,175,000 (23.8%) $2,578,895 (30.5%) 2.74 10,611
2023-10-01 $1,159,000 (23.3%) $2,526,383 (28.5%) 2.73 11,223
2023-11-01 $1,150,000 (23.1%) $2,552,219 (27.6%) 2.74 11,424
2023-12-01 $1,100,000 (17.7%) $2,601,702 (24.5%) 2.68 10,044
2024-01-01 $1,100,000 (17.2%) $2,663,478 (22.0%) 2.69 9,158
2024-02-01 $1,137,000 (16.8%) $2,700,839 (12.1%) 2.74 9,411
2024-03-01 $1,150,000 (15.1%) $2,683,379 (5.9%) 2.71 9,736
2024-04-01 $1,192,000 (8.4%) $2,670,091 (1.4%) 2.77 10,595
2024-05-01 $1,223,500 (6.4%) $2,696,171 (0.3%) 2.78 11,794
2024-06-01 $1,199,000 (2.5%) $2,602,362 (-2.4%) 2.73 12,950
2024-07-01 $1,199,000 (0.3%) $2,549,218 (-4.5%) 2.74 14,302
2024-08-01 $1,190,000 (2.4%) $2,444,394 (-5.3%) 2.77 14,876
2024-09-01 $1,154,440 (-1.8%) $2,390,494 (-7.3%) 2.72 15,585
2024-10-01 $1,150,000 (-0.8%) $2,371,615 (-6.1%) 2.71 15,621
2024-11-01 $1,130,000 (-1.7%) $2,355,765 (-7.7%) 2.71 15,283
2024-12-01 $1,094,000 (-0.6%) $2,398,115 (-7.8%) 2.72 12,686
2025-01-01 $1,089,500 (-1.0%) $2,392,413 (-10.2%) 2.72 12,175
2025-02-01 $1,119,000 (-1.6%) $2,507,130 (-7.2%) 2.72 13,455
2025-03-01 $1,179,000 (2.5%) $2,524,336 (-5.9%) 0.00 14,775
Anaheim's median listing price for 2025-03-01 was $1,179,000, a difference of $29,000 (2.5%) versus the prior year and $60,000 versus the prior month.

Anaheim's median listing price comes in at 0% of the national average.

Anaheim's average listing price for 2025-03-01 was $2,524,336, a difference of $-159,043 (-5.9%) versus the prior year and $17,206 versus the prior month.

For the 2025-03-01 period, Anaheim had 14,775 MLS listings, a difference of 1,320 listings (10%) versus the prior month and 5,039 listings (52%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Anaheim (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 46 days 1,864 sqft
2018-02-01 30 days 1,876 sqft
2018-03-01 31 days 1,889 sqft
2018-04-01 31 days 1,907 sqft
2018-05-01 30 days 1,913 sqft
2018-06-01 32 days 1,906 sqft
2018-07-01 35 days 1,898 sqft
2018-08-01 37 days 1,850 sqft
2018-09-01 39 days 1,819 sqft
2018-10-01 41 days 1,798 sqft
2018-11-01 44 days 1,778 sqft
2018-12-01 54 days 1,766 sqft
2019-01-01 57 days 1,750 sqft
2019-02-01 40 days 1,756 sqft
2019-03-01 41 days 1,795 sqft
2019-04-01 43 days 1,831 sqft
2019-05-01 43 days 1,857 sqft
2019-06-01 45 days 1,876 sqft
2019-07-01 47 days 1,889 sqft
2019-08-01 48 days 1,883 sqft
2019-09-01 50 days 1,875 sqft
2019-10-01 51 days 1,865 sqft
2019-11-01 53 days 1,861 sqft
2019-12-01 64 days 1,860 sqft
2020-01-01 64 days 1,864 sqft
2020-02-01 44 days 1,901 sqft
2020-03-01 44 days 1,920 sqft
2020-04-01 51 days 1,831 sqft
2020-05-01 59 days 1,844 sqft
2020-06-01 48 days 1,871 sqft
2020-07-01 46 days 1,884 sqft
2020-08-01 44 days 1,873 sqft
2020-09-01 45 days 1,853 sqft
2020-10-01 45 days 1,841 sqft
2020-11-01 50 days 1,824 sqft
2020-12-01 62 days 1,815 sqft
2021-01-01 63 days 1,808 sqft
2021-02-01 43 days 1,800 sqft
2021-03-01 39 days 1,799 sqft
2021-04-01 40 days 1,807 sqft
2021-05-01 38 days 1,805 sqft
2021-06-01 36 days 1,786 sqft
2021-07-01 35 days 1,761 sqft
2021-08-01 36 days 1,725 sqft
2021-09-01 39 days 1,719 sqft
2021-10-01 38 days 1,720 sqft
2021-11-01 43 days 1,713 sqft
2021-12-01 49 days 1,714 sqft
2022-01-01 45 days 1,693 sqft
2022-02-01 30 days 1,700 sqft
2022-03-01 30 days 1,722 sqft
2022-04-01 29 days 1,732 sqft
2022-05-01 29 days 1,729 sqft
2022-06-01 31 days 1,737 sqft
2022-07-01 33 days 1,703 sqft
2022-08-01 41 days 1,701 sqft
2022-09-01 47 days 1,704 sqft
2022-10-01 47 days 1,702 sqft
2022-11-01 51 days 1,702 sqft
2022-12-01 61 days 1,713 sqft
2023-01-01 68 days 1,704 sqft
2023-02-01 52 days 1,737 sqft
2023-03-01 46 days 1,757 sqft
2023-04-01 44 days 1,792 sqft
2023-05-01 39 days 1,814 sqft
2023-06-01 39 days 1,830 sqft
2023-07-01 41 days 1,853 sqft
2023-08-01 41 days 1,835 sqft
2023-09-01 45 days 1,830 sqft
2023-10-01 44 days 1,813 sqft
2023-11-01 47 days 1,809 sqft
2023-12-01 54 days 1,791 sqft
2024-01-01 57 days 1,785 sqft
2024-02-01 40 days 1,795 sqft
2024-03-01 42 days 1,800 sqft
2024-04-01 39 days 1,818 sqft
2024-05-01 36 days 1,827 sqft
2024-06-01 40 days 1,809 sqft
2024-07-01 43 days 1,812 sqft
2024-08-01 44 days 1,809 sqft
2024-09-01 46 days 1,793 sqft
2024-10-01 48 days 1,787 sqft
2024-11-01 53 days 1,772 sqft
2024-12-01 63 days 1,742 sqft
2025-01-01 64 days 1,738 sqft
2025-02-01 39 days 1,756 sqft
2025-03-01 0 days 1,780 sqft
Anaheim's median listing age (time on market) for 2025-03-01 was 0 days. This is -100% shorter than the same period one year ago.

Anaheim's median square footage for active listings during the 2025-03-01 period was 1,780 sqft. One year prior, the average listing was 1,800 sqft.

FHA Loan Requirements

  • Borrowers must have a steady employment history or worked for the same employer for the past two years.
  • Borrowers must have a valid Social Security number, lawful residency in the U.S. and be of legal age to sign a mortgage in your state.
  • Borrowers must pay a minimum down payment of 3.5 percent. The money may be gifted by a family member. (Traditional mortgages do not permit gifted down payments)
  • New FHA loans are only available for primary residence occupancy.
  • Borrowers must have a property appraisal from a FHA-approved appraiser.
  • Borrowers’ front-end ratio (mortgage payment plus HOA fees, property taxes, mortgage insurance, homeowners insurance) needs to be less than 31 percent of their gross income, typically. You may be able to get approved with as high a percentage as 40 percent. Your lender will be required to provide justification as to why they believe the mortgage presents an acceptable risk. The lender must include any compensating factors used for loan approval.
  • Borrowers’ debt to income ratio (mortgage plus all your monthly debt, i.e., credit card payment, car payment, student loans, etc.) needs to be less than 43 percent of their gross income, typically. You may be able to get approved with as high a percentage as 50 percent.
  • Borrowers must have a minimum credit score of 580 for maximum financing with a minimum down payment of 3.5 percent.
  • Borrowers must have a minimum credit score of 500-579 for maximum LTV of 90 percent with a minimum down payment of 10 percent.
  • Bborrowers must be two years out of bankruptcy and have re-established good credit. Exceptions can be made.
  • Typically borrowers must be three years out of foreclosure and have re-established good credit.
  • The purchased property must meet certain minimum standards at appraisal. If the home you are purchasing does not meet these standards and a seller will not agree to the required repairs, your only option is to pay for the required repairs at closing (to be held in escrow until the repairs are complete).