Fresno, CA Mortgage Calculator
Calculate your estimated mortgage payment for a home in Fresno, CA. Pre-filled with Fresno's average home price of $370,000, local property tax rate of 0.78%, and typical insurance costs.
$370,000
Avg. Home Price
0.78%
Property Tax Rate
$1,700
Avg. Annual Insurance
-
? Monthly payment PITI with taxes & insurance included
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? Bi-weekly payment PITI if paid every other week
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? The date of the last payment
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? The date of the last bi-weekly payment
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? Total interest paid
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? Total interest paid if bi-weekly payments made
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? Monthly property tax paid (included in above PITI payment)
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? Monthly Home Insurance paid (included in above PITI payment)
Fresno, CA Mortgage Overview
The average home in Fresno costs around $370,000. With a 20% down payment of $74,000, you would need a loan of $296,000.
Fresno homeowners pay a property tax rate of approximately 0.78%, which translates to about $2,886 per year on the average home. Annual homeowners insurance in Fresno averages around $1,700.
What Affects Your Fresno Mortgage Payment?
Your monthly PITI payment in Fresno includes four components:
- Principal — the portion that reduces your loan balance
- Interest — the cost of borrowing, based on your rate and remaining balance
- Taxes — Fresno’s property taxes average 0.78%, higher than the California state average of 0.71%
- Insurance — homeowners insurance in Fresno averages $1,700/year
Tips for Fresno Home Buyers
- Compare rates from multiple Fresno lenders — even a 0.25% rate difference can save tens of thousands over the life of your loan
- Check your credit score before applying — a higher score means better rates
- Consider bi-weekly payments — paying every two weeks instead of monthly can shave years off your mortgage
- Factor in PMI — if your down payment is less than 20%, you’ll pay Private Mortgage Insurance until you reach 80% loan-to-value
- Look at Fresno first-time buyer programs — many California cities offer down payment assistance or reduced rates for first-time buyers
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