Mortgage Calculator for California
Pre-filled with California's average home price of $750000, property tax rate of 0.71%, and average insurance of $1800/year. Adjust any value below.
1 Loan Details
2 Monthly Costs (California averages pre-filled)
Include PMI
Required when down payment < 20%
Estimated Monthly Payment
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Enter your loan details to see your payment
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Total Interest Paid
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Over loan lifetime
Total Cost
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Principal + interest
Loan Amount
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Amount financed
Down Payment
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Of home price
Monthly Payment Breakdown
Balance Over Time
Rate Comparison
How your payment changes with different interest rates
| Rate Scenario | Monthly P&I | Total Interest |
|---|---|---|
| Enter loan details above to see rate scenarios | ||
Amortization Schedule
Full month-by-month payment breakdown
| Month | Year | Payment | Principal | Interest | Balance |
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California Housing Market
California has the highest median home prices in the continental US. The state's Proposition 13 caps annual property tax increases at 2%, making effective rates lower than many other high-value states.
Affordability in California
With median home prices above $750,000, buyers in California typically need a household income of $180,000+ to comfortably afford a median-priced home. Bay Area and coastal markets can exceed $1.5M.
Key Markets
Mortgage Calculator by State
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