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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.
Real-time market data and mortgage rates
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* Rates shown as of 2/12/2026 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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Upscale master-planned community with golf course and luxury amenities
Popular family area near California State University Bakersfield
Fast-growing area with new shopping centers and modern developments
Established neighborhood with excellent schools and suburban charm
Historic district with tree-lined streets and preserved architecture
Discover mortgage opportunities in communities near Bakersfield
Agricultural community in the San Joaquin Valley with vineyard economy
Agricultural and logistics hub with growing distribution centers
Rose growing capital of California with agricultural heritage
Historic oil town with petroleum museum and West Side oil fields
Mountain town famous for Tehachapi Loop and wind energy capital
Agricultural center famous for table grapes and Cesar Chavez history
Get pre-approved in minutes and lock in competitive rates for your Bakersfield home purchase.