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Del Mar Mortgage Calculator

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

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Est. Total Monthly Cost
$11,368
P&I Payment$10,312
Taxes & Ins$854
Utilities$201
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Mortgage Details

$1,937,917
Local Median: $1,937,917
$387,583 (20%)
%

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

Local Area Costs

Monthly$11,368

Monthly Breakdown

Principal & Interest
$10,312
Property Taxes
$767
Homeowners Ins.
$88
Utilities
$201

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$2,162,104

Local Housing Facts for Del Mar

  • ·Median home value: $1,937,917 (adjusted for current market conditions)
  • ·Est. property taxes: $9,200/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,051/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,417/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 Del Mar?

Based on the local median home value, estimated real estate property taxes in Del Mar are around $9,200 per year.

What is the average home price in Del Mar?

The median home value in Del Mar is currently estimated at $1,937,917.

How much does homeowners insurance cost in Del Mar?

For a median priced home, homeowners insurance in Del Mar averages around $1,051 annually.

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

True homeownership costs go beyond principal and interest. In Del Mar, a typical homeowner with a median-priced home of $1,937,917 can expect to pay roughly $9,200/yr in property taxes, $1,051/yr for homeowners insurance, and $2,417/yr in energy utilities. That adds approximately $1,056 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.