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San Diego Mortgage Calculator

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

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Est. Total Monthly Cost
$5,484
P&I Payment$4,761
Taxes & Ins$584
Utilities$139
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Mortgage Details

$910,619
Local Median: $910,619
$182,124 (20%)
%

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

Local Area Costs

Monthly$5,484

Monthly Breakdown

Principal & Interest
$4,761
Property Taxes
$437
Homeowners Ins.
$147
Utilities
$139

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$985,602

Local Housing Facts for San Diego

  • ·Median home value: $910,619 (adjusted for current market conditions)
  • ·Est. property taxes: $5,246/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,760/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,667/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 San Diego City?

Based on the local median home value, estimated real estate property taxes in San Diego City are around $5,246 per year.

What is the average home price in San Diego City?

The median home value in San Diego City is currently estimated at $910,619.

How much does homeowners insurance cost in San Diego City?

For a median priced home, homeowners insurance in San Diego City averages around $1,760 annually.

What is the true total cost of owning a home in San Diego City?

True homeownership costs go beyond principal and interest. In San Diego City, a typical homeowner with a median-priced home of $910,619 can expect to pay roughly $5,246/yr in property taxes, $1,760/yr for homeowners insurance, and $1,667/yr in energy utilities. That adds approximately $723 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.