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California Mortgage Calculator

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

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Est. Total Monthly Cost
$1,291
P&I Payment$903
Taxes & Ins$193
Utilities$196
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Mortgage Details

$168,941
Local Median: $168,941
$33,788 (20%)
%

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

Local Area Costs

Monthly$1,291

Monthly Breakdown

Principal & Interest
$903
Property Taxes
$134
Homeowners Ins.
$60
Utilities
$196

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$189,793

Local Housing Facts for California

  • ·Median home value: $168,941 (adjusted for current market conditions)
  • ·Est. property taxes: $1,603/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $716/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,346/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 California?

Based on the local median home value, estimated real estate property taxes in California are around $1,603 per year.

What is the average home price in California?

The median home value in California is currently estimated at $168,941.

How much does homeowners insurance cost in California?

For a median priced home, homeowners insurance in California averages around $716 annually.

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

True homeownership costs go beyond principal and interest. In California, a typical homeowner with a median-priced home of $168,941 can expect to pay roughly $1,603/yr in property taxes, $716/yr for homeowners insurance, and $2,346/yr in energy utilities. That adds approximately $389 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.