Calculate Your Monthly Payment
$
Select a program to apply FHA/VA/USDA rules.
$
20.0% of home price
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%
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Used to estimate potential Year‑2 escrow shock if taxes reset after purchase.
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$
$
Extra payments reduce balance faster and can end PMI sooner.
Total Monthly Payment
$0
Principal & Interest • Tax • Insurance • PMI • HOA
Principal & Interest
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Property Tax
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Insurance
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PMI
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HOA
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Loan Amount
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Principal & Interest
Property Tax
Home Insurance
PMI
Total Interest Paid
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Total Principal + Interest
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Disclaimer: Results shown are estimates for educational purposes only and do not constitute financial, tax, legal, or investment advice. Actual payments vary based on lender, credit score, loan type, and local assessments. Consult a licensed mortgage professional for your specific situation.
California Mortgage Costs at a Glance
Property Tax
0.74%
Nat. Avg: 1.07%
Median Home
$750000
Nat. Avg: $287,000
Avg Insurance
$1620
Nat. Avg: $1,428
Loan Limit
$1,149,825
Nat. Avg: $766,550
Mortgage Costs by City in California
Los Angeles
~$5,229/mo
Home Price
$850,000
Tax (0.74%)
~$524/mo
Est. P&I (7.1% / 20% down)
~$4,570/mo
San Francisco
~$7,925/mo
Home Price
$1,300,000
Tax (0.74%)
~$801/mo
Est. P&I (7.1% / 20% down)
~$6,989/mo
San Diego
~$5,229/mo
Home Price
$850,000
Tax (0.74%)
~$524/mo
Est. P&I (7.1% / 20% down)
~$4,570/mo
California First-Time Homebuyer Programs
Understanding Property Taxes in California
California has an average property tax rate of 0.74%, which is below the national average of 1.07%.
Frequently Asked Questions
The average property tax rate in California is 0.74%.
The median home price in California is approximately $750,000.
California offers several programs including CalHFA MyHome Assistance, CalHFA Dream For All.