The Monterey real estate market in Monterey 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 Monterey residents, including purchase loans, refinancing, FHA loans, VA loans, and jumbo mortgages. Our local expertise in the Monterey County market ensures you get the best rates and terms available.
Last updated: 2026-01-01
Discover luxury coastal living in California's first capital city, home to the world-famous Monterey Bay Aquarium, Cannery Row, and stunning bay views.
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Historic capital city with world-class attractions
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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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Historic waterfront district with luxury hotels, shopping, and dining overlooking Monterey Bay
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Experience coastal living in Monterey with world-class attractions, historic charm, and Monterey Bay at your doorstep. Get pre-approved today for your piece of California history.
Fairy tale village with white-sand beach, art galleries, and luxury boutiques
