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San Mateo County Mortgage Calculator

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

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Est. Total Monthly Cost
$9,971
P&I Payment$8,944
Taxes & Ins$787
Utilities$240
Also calculate:FHA CalculatorVA Calculator

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Mortgage Details

$1,682,160
Local Median: $1,682,160
$336,432 (20%)
%

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

Local Area Costs

Monthly$9,971

Monthly Breakdown

Principal & Interest
$8,944
Property Taxes
$702
Homeowners Ins.
$85
Utilities
$240

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$1,874,157

Local Housing Facts for San Mateo County

  • ·Median home value: $1,682,160 (adjusted for current market conditions)
  • ·Est. property taxes: $8,420/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,025/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,874/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 County?

Based on the local median home value, estimated real estate property taxes in San Mateo County are around $8,420 per year.

What is the average home price in San Mateo County?

The median home value in San Mateo County is currently estimated at $1,682,160.

How much does homeowners insurance cost in San Mateo County?

For a median priced home, homeowners insurance in San Mateo County averages around $1,025 annually.

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

True homeownership costs go beyond principal and interest. In San Mateo County, a typical homeowner with a median-priced home of $1,682,160 can expect to pay roughly $8,420/yr in property taxes, $1,025/yr for homeowners insurance, and $2,874/yr in energy utilities. That adds approximately $1,027 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.