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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

$1,324

P&I Payment$933

Taxes & Ins$174

Utilities$216

Also calculate:FHA Calculator VA Calculator

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Mortgage Details

Home Price$175,292

Local Median: $175,292

Down Payment$35,058 (20%)

Interest Rate

Loan Term

Credit Score

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

Local Area Costs

Property Taxes / yr$1,152

Homeowners Ins. / yr$941

Include Flood InsuranceOptional

Estimated based on California FEMA risk profiles.

Include Est. Utilities$2,594/yr

Based on DOE LEAD data for California.

Monthly$1,324

Monthly Breakdown

Principal & Interest

$933

Property Taxes

$96

Homeowners Ins.

$78

Utilities

$216

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest

$195,706

Local Housing Facts for California

·Median home value: $175,292 (adjusted for current market conditions)
·Est. property taxes: $1,152/yr — pre-loaded from county assessment data
·Homeowners insurance (HO-3): $941/yr — based on local per-$1K premium rates
·Energy utilities: $2,594/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 $1,152 per year.

What is the average home price in California?

The median home value in California is currently estimated at $175,292.

How much does homeowners insurance cost in California?

For a median priced home, homeowners insurance in California averages around $941 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 $175,292 can expect to pay roughly $1,152/yr in property taxes, $941/yr for homeowners insurance, and $2,594/yr in energy utilities. That adds approximately $391 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.