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Seaside sits on the hill above Monterey Bay with the university and the former Fort Ord behind it, and it prices well under the rest of the peninsula.
Explore mortgage options in Seaside, 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.
The reachable side of the peninsula
Paste a listing URL and get a detailed breakdown of which loan programs fit the property, with payment examples and risk flags.
Seaside is ten minutes away and materially cheaper. Get pre-approved and compare the payments.
The campus district on former base land, with student and faculty housing.
The dunes and the state park along the shoreline.
A newer development on the hill with family houses and bay views.
Housing built for the university on the eastern side.
The old commercial core with the civic buildings and the oldest houses.
* 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 Seaside, the difference between a good mortgage and the right one usually comes down to program fit, pricing, and timing.
Seaside sits in Monterey County, part of the Central Coast'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, Seaside borrowers qualify differently under each program's documentation, credit, and loan-limit rules.
Seaside borrowers frequently compare options against nearby communities such as Carmel-by-the-Sea, Del Rey Oaks, Gonzales.
Homes are listing around $606 per square foot.
There are roughly 40 active listings available.
Updated 9/8/2026
Monterey Ca Seaside is updated daily with practical mortgage guidance for this page.