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County payrolls and the refinery keep Martinez employment steady, and its housing costs less than the 680 towns fifteen minutes south.
Explore mortgage options in Martinez, Contra Costa County, California. Compare 25+ loan programs including conventional, FHA, VA, jumbo, and investment property financing. Get personalized rates and expert guidance from SRK CAPITAL's local mortgage team.
County seat housing on the Carquinez Strait
Paste a listing URL and get a detailed breakdown of which loan programs fit the property, with payment examples and risk flags.
Older Martinez homes can need a repair escrow. We will tell you before the appraisal does.
Victorian and Craftsman blocks near the courthouse hold the oldest housing in the county seat
Rural lots up the valley toward Briones sit on well and septic in places
Streets near the marina and the Amtrak platform run closest to the water
* Rates shown as of and subject to change without notice.
* Rate scenario based on: $650,000 loan amount, 20% down payment ($812,500 purchase price), 740+ credit score, owner-occupied single-family home, with impounds.
* Your actual rate may vary based on your specific credit profile, loan amount, down payment, and other factors.
* APR fees include: $1,350 lender underwriting fee, $80 lender doc fee, $995 processing fee, $149.50 credit report, and third-party fees (title, escrow, appraisal).
* Contact an SRK CAPITAL loan officer for a personalized rate quote.
NMLS #2043372 | DRE #01961971
Equal Housing Lender | © SRK CAPITAL INC.
Buying a home in Martinez starts with matching the right loan program to the neighborhood you want and the payment you can carry.
Contra Costa County anchors this corner of the Bay Area's housing market, and Martinez reflects it — lending volume, inventory, and price points here track the county while staying distinctly local.
Financing choices in Martinez span conventional, FHA, VA, and jumbo structures, and the right fit depends on documentation, credit profile, and program-specific loan limits.
Martinez borrowers frequently compare options against nearby communities such as Antioch, Brentwood, Clayton.
Homes are listing around $454 per square foot.
Properties are spending about 31 days on market.
Updated 9/8/2026
Contra Costa Ca Martinez is updated daily with practical mortgage guidance for this page.