Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

San Francisco Mortgage Calculator

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

← Back to San Francisco Hub
Est. Total Monthly Cost
$8,507
P&I Payment$7,534
Taxes & Ins$821
Utilities$152
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this San 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

$1,481,133
Local Median: $1,481,133
$296,227 (20%)
%

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

Local Area Costs

Monthly$8,507

Monthly Breakdown

Principal & Interest
$7,534
Property Taxes
$737
Homeowners Ins.
$85
Utilities
$152

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$1,527,293

Local Housing Facts for San Francisco

  • ·Median home value: $1,481,133 (adjusted for current market conditions)
  • ·Est. property taxes: $8,838/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,015/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,819/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?

Based on the local median home value, estimated real estate property taxes in San Francisco are around $8,838 per year.

What is the average home price in San Francisco?

The median home value in San Francisco is currently estimated at $1,481,133.

How much does homeowners insurance cost in San Francisco?

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

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

True homeownership costs go beyond principal and interest. In San Francisco, a typical homeowner with a median-priced home of $1,481,133 can expect to pay roughly $8,838/yr in property taxes, $1,015/yr for homeowners insurance, and $1,819/yr in energy utilities. That adds approximately $973 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.