Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

92104 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 92104 with localized property taxes, insurance, and utility data.

← Back to ZIP Code 92104 Hub
Est. Total Monthly Cost
$5,762
P&I Payment$5,178
Taxes & Ins$461
Utilities$123
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this 92104 scenario further — you stay anonymous.

Track this scenarioSave it to My Scenarios and watch the rate over timeFind lenders for this scenarioSee top-ranked local lenders and request quotes

Mortgage Details

$993,266
Local Median: $993,266
$198,653 (20%)
%

Used with your down payment to fetch a live, scenario-specific rate.

Local Area Costs

Monthly$5,762

Monthly Breakdown

Principal & Interest
$5,178
Property Taxes
$378
Homeowners Ins.
$83
Utilities
$123

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$1,069,526

Local Housing Facts for ZIP Code 92104

  • ·Median home value: $993,266 (adjusted for current market conditions)
  • ·Est. property taxes: $4,541/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $991/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,478/yr — sourced from DOE LEAD survey data
  • ·Flood insurance: optional — toggled off by default, estimate based on FEMA risk profile

Frequently Asked Questions

How much are property taxes in SAN DIEGO?

Based on the local median home value, estimated real estate property taxes in SAN DIEGO are around $4,541 per year.

What is the average home price in SAN DIEGO?

The median home value in SAN DIEGO is currently estimated at $993,266.

How much does homeowners insurance cost in SAN DIEGO?

For a median priced home, homeowners insurance in SAN DIEGO averages around $991 annually.

What is the true total cost of owning a home in SAN DIEGO?

True homeownership costs go beyond principal and interest. In SAN DIEGO, a typical homeowner with a median-priced home of $993,266 can expect to pay roughly $4,541/yr in property taxes, $991/yr for homeowners insurance, and $1,478/yr in energy utilities. That adds approximately $584 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.