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Pacific Grove holds one of the largest concentrations of Victorian houses on the West Coast, and buying one means dealing with both its age and the city's historic rules.
Explore mortgage options in Pacific Grove, Monterey 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.
Victorian stock on the coast
Paste a listing URL and get a detailed breakdown of which loan programs fit the property, with payment examples and risk flags.
Old houses narrow the lender list. We know which ones will look past the age of the wiring.
The blocks of preserved Victorians that give the city its character.
The coastal streets above the point, with the widest ocean views.
The southern end near the dunes and the conference grounds.
A residential hillside above downtown with houses among the pines.
The neighborhood around the monarch sanctuary, quiet and wooded.
* 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.
Homebuyers in Pacific Grove weigh loan programs, neighborhood pricing, and lender fit before locking a rate.
As one of the communities that make up Monterey County in the Central Coast, Pacific Grove moves with county-wide lending trends while keeping its own inventory and pricing rhythm.
Pacific Grove buyers choose among conventional, FHA, VA, and jumbo paths — each with its own down-payment floor, credit expectations, and county loan limits.
Pacific Grove borrowers frequently compare options against nearby communities such as Carmel-by-the-Sea, Del Rey Oaks, Gonzales.
The current median list price in Pacific Grove is $1,286,649.
Homes are listing around $1,050 per square foot.
Properties are spending about 66 days on market.
There are roughly 33 active listings available.
Updated 9/27/2026
Monterey Ca Pacific Grove is updated daily with practical mortgage guidance for this page.