Sacramento, CA Mortgage Calculator
Calculate your estimated mortgage payment for a home in Sacramento, CA. Pre-filled with Sacramento's average home price of $490,000, local property tax rate of 0.75%, and typical insurance costs.
$490,000
Avg. Home Price
0.75%
Property Tax Rate
$1,900
Avg. Annual Insurance
-
? Monthly payment PITI with taxes & insurance included
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? Bi-weekly payment PITI if paid every other week
-
? 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)
Sacramento, CA Mortgage Overview
The average home in Sacramento costs around $490,000. With a 20% down payment of $98,000, you would need a loan of $392,000.
Sacramento homeowners pay a property tax rate of approximately 0.75%, which translates to about $3,675 per year on the average home. Annual homeowners insurance in Sacramento averages around $1,900.
What Affects Your Sacramento Mortgage Payment?
Your monthly PITI payment in Sacramento includes four components:
- Principal — the portion that reduces your loan balance
- Interest — the cost of borrowing, based on your rate and remaining balance
- Taxes — Sacramento’s property taxes average 0.75%, higher than the California state average of 0.71%
- Insurance — homeowners insurance in Sacramento averages $1,900/year
Tips for Sacramento Home Buyers
- Compare rates from multiple Sacramento 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 Sacramento first-time buyer programs — many California cities offer down payment assistance or reduced rates for first-time buyers
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