San Diego, CA Mortgage Calculator
Calculate your estimated mortgage payment for a home in San Diego, CA. Pre-filled with San Diego's average home price of $850,000, local property tax rate of 0.73%, and typical insurance costs.
$850,000
Avg. Home Price
0.73%
Property Tax Rate
$2,200
Avg. Annual Insurance
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? 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)
San Diego, CA Mortgage Overview
The average home in San Diego costs around $850,000. With a 20% down payment of $170,000, you would need a loan of $680,000.
San Diego homeowners pay a property tax rate of approximately 0.73%, which translates to about $6,205 per year on the average home. Annual homeowners insurance in San Diego averages around $2,200.
What Affects Your San Diego Mortgage Payment?
Your monthly PITI payment in San Diego includes four components:
- Principal — the portion that reduces your loan balance
- Interest — the cost of borrowing, based on your rate and remaining balance
- Taxes — San Diego’s property taxes average 0.73%, higher than the California state average of 0.71%
- Insurance — homeowners insurance in San Diego averages $2,200/year
Tips for San Diego Home Buyers
- Compare rates from multiple San Diego 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 San Diego first-time buyer programs — many California cities offer down payment assistance or reduced rates for first-time buyers
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