Estimate your monthly mortgage payment in California with real local figures built in. This calculator starts from California's approximate median home price of $810,000, its average effective property tax rate of 0.71%, and a typical California home-insurance premium of about $1,800/yr — adjust any field, then see your full PITI payment, amortization chart, and payoff schedule.
These are approximate, sourced state figures to give your estimate a realistic starting point. They are averages, not quotes — confirm exact numbers for your county, home, and lender.
Figures are approximate and for education only — not financial advice. Median home value from the Zillow Home Value Index (mid-2025); average homeowners insurance from NerdWallet; first-time-buyer program from California Housing Finance Agency (CalHFA). Property-tax and insurance costs vary widely by county, home, and carrier.
As of mid-2025 the typical home value in California is approximately $810,000, based on the Zillow Home Value Index. This calculator pre-fills that as the home price so your estimate starts from a realistic California figure — adjust it to the home you have in mind.
California's average effective property tax rate is about 0.71% of a home's value per year. This calculator pre-fills that rate, and you can change it to match your county or a specific home.
The average annual homeowners insurance premium in California is roughly $1,800 for a policy with about $400,000 of dwelling coverage, per NerdWallet's state data. Your actual premium depends on the home, its location and age, and your carrier — this is a state average, not a quote.
Yes. California Housing Finance Agency (CalHFA) runs California's main first-time-buyer program, MyHome Assistance Program, which can pair a below-market mortgage with down-payment assistance for eligible buyers. Check eligibility and current terms on the agency's official site.
From your California home price, down payment, interest rate and term, plus property tax, homeowners insurance, and PMI if you put down less than 20%. Everything updates live as you type.