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Sonoma County Mortgage Calculator

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

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Est. Total Monthly Cost
$5,174
P&I Payment$4,411
Taxes & Ins$549
Utilities$214
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Mortgage Details

$862,004
Local Median: $862,004
$172,401 (20%)
%

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

Local Area Costs

Monthly$5,174

Monthly Breakdown

Principal & Interest
$4,411
Property Taxes
$468
Homeowners Ins.
$82
Utilities
$214

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$898,209

Local Housing Facts for Sonoma County

  • ·Median home value: $862,004 (adjusted for current market conditions)
  • ·Est. property taxes: $5,612/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $978/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,569/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 Sonoma County?

Based on the local median home value, estimated real estate property taxes in Sonoma County are around $5,612 per year.

What is the average home price in Sonoma County?

The median home value in Sonoma County is currently estimated at $862,004.

How much does homeowners insurance cost in Sonoma County?

For a median priced home, homeowners insurance in Sonoma County averages around $978 annually.

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

True homeownership costs go beyond principal and interest. In Sonoma County, a typical homeowner with a median-priced home of $862,004 can expect to pay roughly $5,612/yr in property taxes, $978/yr for homeowners insurance, and $2,569/yr in energy utilities. That adds approximately $763 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.