San Jose, CA Mortgage Calculator
Calculate your estimated mortgage payment for a home in San Jose, CA. Pre-filled with San Jose's average home price of $1,380,000, local property tax rate of 0.67%, and typical insurance costs.
$1,380,000
Avg. Home Price
0.67%
Property Tax Rate
$2,600
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)
San Jose, CA Mortgage Overview
The average home in San Jose costs around $1,380,000. With a 20% down payment of $276,000, you would need a loan of $1,104,000.
San Jose homeowners pay a property tax rate of approximately 0.67%, which translates to about $9,246 per year on the average home. Annual homeowners insurance in San Jose averages around $2,600.
What Affects Your San Jose Mortgage Payment?
Your monthly PITI payment in San Jose 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 Jose’s property taxes average 0.67%, lower than the California state average of 0.71%
- Insurance — homeowners insurance in San Jose averages $2,600/year
Tips for San Jose Home Buyers
- Compare rates from multiple San Jose 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 Jose first-time buyer programs — many California cities offer down payment assistance or reduced rates for first-time buyers
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