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Bakersfield spreads far enough that the southwest and the east side function as separate markets, and a citywide average tells you almost nothing about either.
Explore mortgage options in Bakersfield, Kern 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.
Southwest, northwest and east, tracked apart
Paste a listing URL and get a detailed breakdown of which loan programs fit the property, with payment examples and risk flags.
The quadrant changes the price and the loan. Send us the address and we will price it across 160+ wholesale lenders.
A gated master-planned community on the southwest side, at the top of the local market.
Established southwest streets with mature landscaping and consistent resale.
The broad southwest quadrant holds most of the newer construction in the city.
The northwest side has grown fastest, with subdivisions still filling in.
An older central neighborhood of large lots and 1920s houses near the country club.
* 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.
In Bakersfield, the difference between a good mortgage and the right one usually comes down to program fit, pricing, and timing.
Bakersfield sits in Kern County, part of the Central Valley's housing market, where lending activity, housing inventory, and neighborhood price points shift noticeably from one community to the next.
From conventional and FHA to VA and jumbo financing, Bakersfield borrowers qualify differently under each program's documentation, credit, and loan-limit rules.
Bakersfield borrowers frequently compare options against nearby communities such as Arvin, California City, Delano.
There are roughly 1731 active listings available.
Updated 9/8/2026
Kern Ca Bakersfield is updated daily with practical mortgage guidance for this page.