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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
$5,355
P&I Payment$4,616
Taxes & Ins$539
Utilities$200
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Mortgage Details

$901,734
Local Median: $901,734
$180,347 (20%)
%

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

Local Area Costs

Monthly$5,355

Monthly Breakdown

Principal & Interest
$4,616
Property Taxes
$453
Homeowners Ins.
$86
Utilities
$200

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$940,466

Local Housing Facts for California

  • ·Median home value: $901,734 (adjusted for current market conditions)
  • ·Est. property taxes: $5,431/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,035/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,395/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 $5,431 per year.

What is the average home price in California?

The median home value in California is currently estimated at $901,734.

How much does homeowners insurance cost in California?

For a median priced home, homeowners insurance in California averages around $1,035 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 $901,734 can expect to pay roughly $5,431/yr in property taxes, $1,035/yr for homeowners insurance, and $2,395/yr in energy utilities. That adds approximately $738 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.