Current Avg. Rates: 6.46% 30-yr fixed|5.77% 15-yr fixed
Source: Freddie Mac Primary Mortgage Market Survey
Source: Freddie Mac Primary Mortgage Market Survey
California Mortgage Calculator
Calculate your estimated mortgage payment for a home in California. Pre-filled with California's average home price of $735,000, property tax rate of 0.71%, and typical insurance costs.
$735,000
Avg. Home Price
0.71%
Property Tax Rate
$2,200
Avg. Annual Insurance
Your Monthly Payment (PITI)
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Principal + Interest + Tax + Insurance
Monthly Breakdown
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Property Tax
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Insurance
Loan Overview
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Total Interest
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Payoff Date
Bi-Weekly Option
? Pay half your monthly payment every two weeks — you'll make 26 half-payments (13 full payments) per year instead of 12
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Bi-Weekly Payment
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Total Interest
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Payoff Date
California Mortgage at a Glance
| Average home price | $735,000 |
| Property tax rate | 0.71% ($5,219/year) |
| Average insurance | $2,200/year |
| Est. monthly PITI | $4,335 (20% down, 6.5%) |
| Total interest (30yr) | $749,962 |
| Income needed (28% rule) | $185,778/year |
California’s Proposition 13 limits property tax increases to 2% per year regardless of market appreciation, which benefits long-term homeowners significantly.
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