Safe Rate Local

San Francisco County Mortgage Calculator

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

← Back to San Francisco County Hub
Est. Total Monthly Cost
$8,653
P&I Payment$7,638
Taxes & Ins$814
Utilities$200

Mortgage Details

$1,471,447
Local Median: $1,471,447
$294,289 (20%)
%

Local Area Costs

Ready to see real rates?

Get a live quote priced specifically for San Francisco County using Safe Rate's engine.

Monthly$8,653

Monthly Breakdown

Principal & Interest
$7,638
Property Taxes
$730
Homeowners Ins.
$85
Est. Utilities
$200

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$1,572,577

Local Housing Facts for San Francisco County

  • ·Median home value: $1,471,447 (adjusted for current market conditions)
  • ·Est. property taxes: $8,758/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,015/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,400/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 Francisco County?

Based on the local median home value, estimated real estate property taxes in San Francisco County are around $8,758 per year.

What is the average home price in San Francisco County?

The median home value in San Francisco County is currently estimated at $1,471,447.

How much does homeowners insurance cost in San Francisco County?

For a median priced home, homeowners insurance in San Francisco County averages around $1,015 annually.

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

True homeownership costs go beyond principal and interest. In San Francisco County, a typical homeowner with a median-priced home of $1,471,447 can expect to pay roughly $8,758/yr in property taxes, $1,015/yr for homeowners insurance, and $2,400/yr in energy utilities. That adds approximately $1,014 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.