The Bakersfield real estate market in Kern County shows a median home price of $650,000 with an average price per square foot of $450/sq ft. Properties typically sell within 30 days and there are currently 500 homes on the market.
SRK CAPITAL provides comprehensive mortgage services for Bakersfield residents, including purchase loans, refinancing, FHA loans, VA loans, and jumbo mortgages. Our local expertise in the Kern County market ensures you get the best rates and terms available.
Last updated: 2026-01-01
Discover affordable homes in California's oil capital and birthplace of the Bakersfield Sound. From Buck Owens' Crystal Palace to thriving oil fields, experience Central Valley living where country music history meets modern opportunity.
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Real-time market data and mortgage rates
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* Rates shown as of 1/17/2026 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, $99.50 credit report, and third-party fees (title, escrow, appraisal).
* Contact an SRK CAPITAL loan officer for a personalized rate quote.
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