Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

92704 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 92704 with localized property taxes, insurance, and utility data.

← Back to ZIP Code 92704 Hub
Est. Total Monthly Cost
$4,600
P&I Payment$4,036
Taxes & Ins$402
Utilities$162
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this 92704 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

$773,549
Local Median: $773,549
$154,710 (20%)
%

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

Local Area Costs

Monthly$4,600

Monthly Breakdown

Principal & Interest
$4,036
Property Taxes
$316
Homeowners Ins.
$85
Utilities
$162

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$834,276

Local Housing Facts for ZIP Code 92704

  • ·Median home value: $773,549 (adjusted for current market conditions)
  • ·Est. property taxes: $3,797/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,022/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,948/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 SANTA ANA?

Based on the local median home value, estimated real estate property taxes in SANTA ANA are around $3,797 per year.

What is the average home price in SANTA ANA?

The median home value in SANTA ANA is currently estimated at $773,549.

How much does homeowners insurance cost in SANTA ANA?

For a median priced home, homeowners insurance in SANTA ANA averages around $1,022 annually.

What is the true total cost of owning a home in SANTA ANA?

True homeownership costs go beyond principal and interest. In SANTA ANA, a typical homeowner with a median-priced home of $773,549 can expect to pay roughly $3,797/yr in property taxes, $1,022/yr for homeowners insurance, and $1,948/yr in energy utilities. That adds approximately $564 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.