Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

Francisco Mortgage Calculator

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

← Back to Francisco Hub
Est. Total Monthly Cost
$1,407
P&I Payment$997
Taxes & Ins$149
Utilities$261
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this Francisco 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

$186,300
Local Median: $186,300
$37,260 (20%)
%

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

Local Area Costs

Monthly$1,407

Monthly Breakdown

Principal & Interest
$997
Property Taxes
$90
Homeowners Ins.
$59
Utilities
$261

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$210,053

Local Housing Facts for Francisco

  • ·Median home value: $186,300 (adjusted for current market conditions)
  • ·Est. property taxes: $1,083/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $708/yr — based on local per-$1K premium rates
  • ·Energy utilities: $3,127/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 Francisco?

Based on the local median home value, estimated real estate property taxes in Francisco are around $1,083 per year.

What is the average home price in Francisco?

The median home value in Francisco is currently estimated at $186,300.

How much does homeowners insurance cost in Francisco?

For a median priced home, homeowners insurance in Francisco averages around $708 annually.

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

True homeownership costs go beyond principal and interest. In Francisco, a typical homeowner with a median-priced home of $186,300 can expect to pay roughly $1,083/yr in property taxes, $708/yr for homeowners insurance, and $3,127/yr in energy utilities. That adds approximately $410 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.