Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

95159 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 95159 with localized property taxes, insurance, and utility data.

← Back to ZIP Code 95159 Hub
Est. Total Monthly Cost
$9,513
P&I Payment$8,711
Taxes & Ins$635
Utilities$168
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this 95159 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

$1,634,331
Local Median: $1,634,331
$326,866 (20%)
%

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

Local Area Costs

Monthly$9,513

Monthly Breakdown

Principal & Interest
$8,711
Property Taxes
$551
Homeowners Ins.
$84
Utilities
$168

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$1,828,457

Local Housing Facts for ZIP Code 95159

  • ·Median home value: $1,634,331 (adjusted for current market conditions)
  • ·Est. property taxes: $6,607/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,013/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,011/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 JOSE?

Based on the local median home value, estimated real estate property taxes in SAN JOSE are around $6,607 per year.

What is the average home price in SAN JOSE?

The median home value in SAN JOSE is currently estimated at $1,634,331.

How much does homeowners insurance cost in SAN JOSE?

For a median priced home, homeowners insurance in SAN JOSE averages around $1,013 annually.

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

True homeownership costs go beyond principal and interest. In SAN JOSE, a typical homeowner with a median-priced home of $1,634,331 can expect to pay roughly $6,607/yr in property taxes, $1,013/yr for homeowners insurance, and $2,011/yr in energy utilities. That adds approximately $803 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.