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San Rafael Mortgage Calculator

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

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Est. Total Monthly Cost
$7,684
P&I Payment$6,647
Taxes & Ins$834
Utilities$203
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Mortgage Details

$1,320,588
Local Median: $1,320,588
$264,118 (20%)
%

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

Local Area Costs

Monthly$7,684

Monthly Breakdown

Principal & Interest
$6,647
Property Taxes
$750
Homeowners Ins.
$85
Utilities
$203

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$1,336,475

Local Housing Facts for San Rafael

  • ·Median home value: $1,320,588 (adjusted for current market conditions)
  • ·Est. property taxes: $8,999/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,014/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,434/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 Rafael?

Based on the local median home value, estimated real estate property taxes in San Rafael are around $8,999 per year.

What is the average home price in San Rafael?

The median home value in San Rafael is currently estimated at $1,320,588.

How much does homeowners insurance cost in San Rafael?

For a median priced home, homeowners insurance in San Rafael averages around $1,014 annually.

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

True homeownership costs go beyond principal and interest. In San Rafael, a typical homeowner with a median-priced home of $1,320,588 can expect to pay roughly $8,999/yr in property taxes, $1,014/yr for homeowners insurance, and $2,434/yr in energy utilities. That adds approximately $1,037 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.