As California’s #1 Retail Mortgage Lender, our Fremont mortgage brokers work together to make your home financing feel like a win. From fast mortgage pre-approvals to finding the perfect home loan program, we’re dedicated to one thing: You.
Fremont: Economic Profile & Market Outlook
Located in Alameda County, Fremont presents a compelling case for residents and investors alike. This profile highlights the essential economic, real estate, and lifestyle metrics defining the local market.
📉 Economic Landscape & Business Vibe
- Maj Employers: Tesla, Lawrence Livermore Lab, Kaiser Permanente
- Clusters: Logistics, Tech, Education, Healthcare
- Unempl Rate (2025): 4.6%
- Pop: Sized locally (Varies)
- Med Age: 37.8
- Household Income Trend: $115,000 (H1 2024-2025 avg)
🏠 Real Estate Market & Cost of Living
For prospective homeowners and investors, here is the current market snapshot:
- Median Home Price (2025): $1,150,000
- Inventory Trends: Tight (Low)
- Prop Tax Environment: 1.25% (Average Effective). Avg Cost of Living: ~35-50% above state average (High, primarily housing-driven).
🎓 Education & Family Suitability
Families prioritizing education will find Fremont to be a strategic choice:
- Mission San Jose HS | 9-12 | 10/10 | Public
- Irvington HS | 9-12 | 9/10 | Public
- American HS | 9-12 | 9/10 | Public
Family Appeal: Excellent. Fremont is a top choice for families due to elite academic rankings and active community parks.
🌟 Lifestyle, Culture & Safety
Points of Interest: Mission San José (H), Central Park (N), Don Edwards Wildlife Refuge (N)
Vibe & Safety: Quiet hillside living with stable, low-crime environments; highly sought after for security and privacy. Safest Neighborhoods: Mission San Jose, Ardenwood, Niles.
- Healthcare: Sutter Health, Kaiser Permanente
- Public Transit: BART, AC Transit
- Utility Providers: PG&E
Data sources: California Association of Realtors, US Census Bureau, GreatSchools, and local municipal reports (2024-2026).
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Current Mortgage Rates
Mar 18, 2026
| Program | Rate | APR |
|---|---|---|
| 30-Yr Purchase | 5.750% | 5.773% |
| 30-Yr Refinance | 5.875% | 5.914% |
| 30-Yr FHA Purchase | 5.375% | 5.937% |
| 30-Yr VA Purchase | 5.500% | 5.620% |
| 15-Yr Purchase | 5.250% | 5.269% |
| 15-Yr Refinance | 5.625% | 5.633% |
| 10/6 ARM Purchase | 6.750% | 6.750% |
| 7/6 ARM Purchase | 6.500% | 6.500% |
Rates subject to change. Get Quote
Secure Your Stable Path to Homeownership
Do not let past credit challenges or limited upfront savings stand in your way for another single day. Discover exactly how an FHA loan can rapidly make your long-term housing goals a reality. Reach out to Doos Mortgage today.