Get & compare mortgage quotes anonymously Start in My Home

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
$8,369
P&I Payment$7,394
Taxes & Ins$814
Utilities$160
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this San Francisco County 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

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

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

Local Area Costs

Monthly$8,369

Monthly Breakdown

Principal & Interest
$7,394
Property Taxes
$730
Homeowners Ins.
$85
Utilities
$160

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$1,484,700

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: $1,924/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 $1,924/yr in energy utilities. That adds approximately $975 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.