California Mortgage Calculator

Estimate your full California monthly payment — principal and interest, property tax, homeowners insurance, mortgage insurance and HOA dues — using California-specific tax defaults.

  • 1 Estimate your payment
  • 2 Check down payment help
  • 3 Understand rate locks

    • The short answer

    A California mortgage payment includes principal and interest plus property tax, homeowners insurance, mortgage insurance with less than 20% down, and any HOA dues. Under Proposition 13, the base property tax rate is 1% of the purchase price, plus local bonds and assessments that often bring the total to about 1.1%–1.25%. Mello-Roos districts in newer communities can add more.

    Estimate your California payment

    Estimated monthly payment

    $6,083

    Principal & interest

    $4,835

    Property tax

    $779

    Home insurance

    $150

    Mortgage insurance (est.)

    $319

    HOA / district

    $0

    Loan amount

    $765,000

    Down payment

    $85,000

    Estimate only. The interest rate is an example you can change — it is not a quote. Taxes, insurance and mortgage insurance are planning defaults.

    California payment tips

  • Use about 1.1%–1.25% for property tax, and check for Mello-Roos in newer developments.
  • Get an insurance quote early; coverage costs vary a lot by location in California.
  • Check whether your loan amount falls under your county's conforming or high-balance limit before assuming jumbo pricing.
  • Plan for closing costs and reserves on top of your down payment.

    • Want amortization and PMI detail? Try the full mortgage calculator.

    California questions

    How much is property tax on a house in California?

    The base rate is 1% of the purchase price under Proposition 13, plus local voter-approved bonds and assessments. Most buyers budget about 1.1%–1.25% per year, and more in Mello-Roos districts.

    How much house can I afford in California?

    It depends on your income, debts, down payment and the full monthly payment including taxes and insurance. Many lenders look for total debt payments at or below about 43%–50% of gross monthly income, depending on the loan program.

    Does the calculator include mortgage insurance?

    Yes. If your down payment is under 20%, it adds an estimated monthly mortgage insurance amount. Your actual cost depends on your credit score, loan type and down payment.

    Next step

    Check down payment help in California

    Keep exploring

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    Mortgage pre-approval guide

    What lenders verify and how long it takes.

    The home buying process

    All 8 steps from search to closing.

    Closing costs explained

    What you'll pay at closing and why.