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San Mateo Mortgage Calculator

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

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Est. Total Monthly Cost
$1,478
P&I Payment$1,049
Taxes & Ins$239
Utilities$190
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Mortgage Details

$197,227
Local Median: $197,227
$39,445 (20%)
%

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

Local Area Costs

Monthly$1,478

Monthly Breakdown

Principal & Interest
$1,049
Property Taxes
$148
Homeowners Ins.
$92
Utilities
$190

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$219,929

Local Housing Facts for San Mateo

  • ·Median home value: $197,227 (adjusted for current market conditions)
  • ·Est. property taxes: $1,775/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,098/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,274/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 Mateo?

Based on the local median home value, estimated real estate property taxes in San Mateo are around $1,775 per year.

What is the average home price in San Mateo?

The median home value in San Mateo is currently estimated at $197,227.

How much does homeowners insurance cost in San Mateo?

For a median priced home, homeowners insurance in San Mateo averages around $1,098 annually.

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

True homeownership costs go beyond principal and interest. In San Mateo, a typical homeowner with a median-priced home of $197,227 can expect to pay roughly $1,775/yr in property taxes, $1,098/yr for homeowners insurance, and $2,274/yr in energy utilities. That adds approximately $429 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.