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94109 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 94109 with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$8,001
P&I Payment$7,051
Taxes & Ins$859
Utilities$92
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Mortgage Details

$1,352,554
Local Median: $1,352,554
$270,511 (20%)
%

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

Local Area Costs

Monthly$8,001

Monthly Breakdown

Principal & Interest
$7,051
Property Taxes
$775
Homeowners Ins.
$84
Utilities
$92

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$1,456,140

Local Housing Facts for ZIP Code 94109

  • ·Median home value: $1,352,554 (adjusted for current market conditions)
  • ·Est. property taxes: $9,300/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,011/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,099/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 FRANCISCO?

Based on the local median home value, estimated real estate property taxes in SAN FRANCISCO are around $9,300 per year.

What is the average home price in SAN FRANCISCO?

The median home value in SAN FRANCISCO is currently estimated at $1,352,554.

How much does homeowners insurance cost in SAN FRANCISCO?

For a median priced home, homeowners insurance in SAN FRANCISCO averages around $1,011 annually.

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

True homeownership costs go beyond principal and interest. In SAN FRANCISCO, a typical homeowner with a median-priced home of $1,352,554 can expect to pay roughly $9,300/yr in property taxes, $1,011/yr for homeowners insurance, and $1,099/yr in energy utilities. That adds approximately $951 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.