California Mortgage Calculator
California has the 21st-lowest effective property tax rate of the 50 states at 0.75% — $1,222 less a year than the 0.91% state average on a $764,000 home. Homeowners insurance averages $1,616 a year, the 11th-lowest premium nationally and $1,104 less than the typical state.
Most California counties use the $832,750 conforming loan limit for 2026, but 17 high-cost counties — Alameda County ($1,249,125), Contra Costa County ($1,249,125), Los Angeles County ($1,249,125) and others — allow larger conforming loans. Above those amounts you need a jumbo loan.
On a $764,000 home, property tax and insurance add $612 a month in California, compared with $466 in Nevada, $501 in Arizona, $647 in Oregon.
Loan Parameters
Total Monthly Payment
$5,613
Principal & Interest + Taxes + Insurance
APR 7.488%
Total Interest
$964,256
Total Cost
$1,913,493
Advanced Parameters
Private Mortgage Insurance (PMI)
Your down payment is below 20%. PMI is estimated at 0.72% annually and is removed here when your LTV reaches 80%.
Loan Summary
Payoff Date
Sep 2056
Interest / Principal
1.40x
Mortgage Insurance Ends
Feb 2035
50% Equity
Jul 2048
Amortization Schedule
| Period | Payment | Principal | Interest | PMI | Balance | Equity |
|---|---|---|---|---|---|---|
| Year 1 | $55,062 | $6,944 | $48,117 | $4,951 | $680,656 | $83,344 |
| Year 2 | $55,062 | $7,449 | $47,613 | $4,951 | $673,207 | $90,793 |
| Year 3 | $55,062 | $7,989 | $47,072 | $4,951 | $665,218 | $98,782 |
| Year 4 | $55,062 | $8,570 | $46,492 | $4,951 | $656,648 | $107,352 |
| Year 5 | $55,062 | $9,192 | $45,870 | $4,951 | $647,456 | $116,544 |
| Year 6 | $55,062 | $9,859 | $45,203 | $4,951 | $637,597 | $126,403 |
| Year 7 | $55,062 | $10,575 | $44,487 | $4,951 | $627,022 | $136,978 |
| Year 8 | $55,062 | $11,343 | $43,719 | $4,951 | $615,679 | $148,321 |
| Year 9 | $55,062 | $12,167 | $42,895 | $1,650 | $603,512 | $160,488 |
| Year 10 | $55,062 | $13,050 | $42,012 | — | $590,462 | $173,538 |
| Year 11 | $55,062 | $13,998 | $41,064 | — | $576,465 | $187,535 |
| Year 12 | $55,062 | $15,014 | $40,048 | — | $561,451 | $202,549 |
| Year 13 | $55,062 | $16,104 | $38,958 | — | $545,346 | $218,654 |
| Year 14 | $55,062 | $17,273 | $37,788 | — | $528,073 | $235,927 |
| Year 15 | $55,062 | $18,528 | $36,534 | — | $509,545 | $254,455 |
| Year 16 | $55,062 | $19,873 | $35,189 | — | $489,673 | $274,327 |
| Year 17 | $55,062 | $21,316 | $33,746 | — | $468,357 | $295,643 |
| Year 18 | $55,062 | $22,864 | $32,198 | — | $445,493 | $318,507 |
| Year 19 | $55,062 | $24,524 | $30,538 | — | $420,969 | $343,031 |
| Year 20 | $55,062 | $26,304 | $28,757 | — | $394,665 | $369,335 |
| Year 21 | $55,062 | $28,214 | $26,847 | — | $366,450 | $397,550 |
| Year 22 | $55,062 | $30,263 | $24,799 | — | $336,187 | $427,813 |
| Year 23 | $55,062 | $32,460 | $22,601 | — | $303,727 | $460,273 |
| Year 24 | $55,062 | $34,817 | $20,244 | — | $268,909 | $495,091 |
| Year 25 | $55,062 | $37,346 | $17,716 | — | $231,564 | $532,436 |
| Year 26 | $55,062 | $40,057 | $15,005 | — | $191,507 | $572,493 |
| Year 27 | $55,062 | $42,966 | $12,096 | — | $148,541 | $615,459 |
| Year 28 | $55,062 | $46,085 | $8,976 | — | $102,456 | $661,544 |
| Year 29 | $55,062 | $49,432 | $5,630 | — | $53,024 | $710,976 |
| Year 30 | $55,065 | $53,024 | $2,041 | — | $0 | $764,000 |
California mortgage data
- Typical home value
- $764,158
- Zillow ZHVI, August 31, 2026 (U.S. $368,697)
- Effective property tax rate
- 0.75%
- $5,730/yr on a $764,000 home
- Average homeowners insurance
- $1,616/yr
- $135/mo
- 2026 conforming loan limit
- $832,750 – $1,249,125
- 58 counties
- High-cost counties
- 17
- Limit above $832,750
- 2026 FHA loan limit (1-unit)
- $541,287 – $1,249,125
- Varies by county — confirm on HUD
- Current 30-yr / 15-yr fixed average
- 7.03% / 6.42%
- Freddie Mac PMMS, September 24, 2026
California calculators by loan type
How much house can you afford in California?
Highest price where principal, interest, California property tax, insurance and PMI stay within 28% of gross income —10% down, 30-year fixed at 7.03%. Other debts lower these numbers.
| Household income | Housing budget / mo | Max home price | Down payment | vs typical home |
|---|---|---|---|---|
| $50,000 | $1,167 | $143,000 | $14,300 | 19% |
| $75,000 | $1,750 | $225,000 | $22,500 | 29% |
| $100,000 | $2,333 | $306,000 | $30,600 | 40% |
| $125,000 | $2,917 | $387,000 | $38,700 | 51% |
| $150,000 | $3,500 | $469,000 | $46,900 | 61% |
| $200,000 | $4,667 | $632,000 | $63,200 | 83% |
| $250,000 | $5,833 | $794,000 | $79,400 | 104% |
California mortgage payment by loan amount
30-year fixed at 7.03%, 20% down, with California property tax and insurance on the matching home price.
| Loan amount | P&I | Total / month | Income needed | Loan type |
|---|---|---|---|---|
| $150,000 mortgage | $1,001 | $1,253 | $54,000 | Conforming |
| $175,000 mortgage | $1,168 | $1,439 | $62,000 | Conforming |
| $200,000 mortgage | $1,335 | $1,626 | $70,000 | Conforming |
| $225,000 mortgage | $1,501 | $1,812 | $78,000 | Conforming |
| $250,000 mortgage | $1,668 | $1,998 | $86,000 | Conforming |
| $275,000 mortgage | $1,835 | $2,185 | $94,000 | Conforming |
| $300,000 mortgage | $2,002 | $2,371 | $102,000 | Conforming |
| $325,000 mortgage | $2,169 | $2,557 | $110,000 | Conforming |
| $350,000 mortgage | $2,336 | $2,744 | $118,000 | Conforming |
| $375,000 mortgage | $2,502 | $2,930 | $126,000 | Conforming |
| $400,000 mortgage | $2,669 | $3,116 | $134,000 | Conforming |
| $425,000 mortgage | $2,836 | $3,303 | $142,000 | Conforming |
| $450,000 mortgage | $3,003 | $3,489 | $150,000 | Conforming |
| $475,000 mortgage | $3,170 | $3,676 | $158,000 | Conforming |
| $500,000 mortgage | $3,337 | $3,862 | $166,000 | Conforming |
| $525,000 mortgage | $3,503 | $4,048 | $174,000 | Conforming |
| $550,000 mortgage | $3,670 | $4,235 | $182,000 | Conforming |
| $575,000 mortgage | $3,837 | $4,421 | $190,000 | Conforming |
| $600,000 mortgage | $4,004 | $4,607 | $198,000 | Conforming |
| $625,000 mortgage | $4,171 | $4,794 | $206,000 | Conforming |
| $650,000 mortgage | $4,338 | $4,980 | $214,000 | Conforming |
| $675,000 mortgage | $4,504 | $5,166 | $222,000 | Conforming |
| $700,000 mortgage | $4,671 | $5,353 | $230,000 | Conforming |
| $725,000 mortgage | $4,838 | $5,539 | $238,000 | Conforming |
| $750,000 mortgage | $5,005 | $5,725 | $246,000 | Conforming |
| $775,000 mortgage | $5,172 | $5,912 | $254,000 | Conforming |
| $800,000 mortgage | $5,339 | $6,098 | $262,000 | Conforming |
| $825,000 mortgage | $5,505 | $6,285 | $270,000 | Conforming |
| $850,000 mortgage | $5,672 | $6,471 | $278,000 | Jumbo in most counties |
| $875,000 mortgage | $5,839 | $6,657 | $286,000 | Jumbo in most counties |
| $900,000 mortgage | $6,006 | $6,844 | $294,000 | Jumbo in most counties |
| $925,000 mortgage | $6,173 | $7,030 | $302,000 | Jumbo in most counties |
| $950,000 mortgage | $6,340 | $7,216 | $310,000 | Jumbo in most counties |
| $975,000 mortgage | $6,506 | $7,403 | $318,000 | Jumbo in most counties |
| $1,000,000 mortgage | $6,673 | $7,589 | $326,000 | Jumbo in most counties |
| $1,100,000 mortgage | $7,341 | $8,335 | $358,000 | Jumbo in most counties |
| $1,200,000 mortgage | $8,008 | $9,080 | $390,000 | Jumbo in most counties |
| $1,300,000 mortgage | $8,675 | $9,825 | $422,000 | Jumbo |
| $1,400,000 mortgage | $9,342 | $10,571 | $454,000 | Jumbo |
| $1,500,000 mortgage | $10,010 | $11,316 | $485,000 | Jumbo |
Loan programs compared in California
$764,000 home, each program's typical minimum or default down payment, current average 30-year rate.
| Loan type | Down | Loan amount | Upfront fee | Monthly MI | Total / month | APR |
|---|---|---|---|---|---|---|
| Conventional | 10% · $76,400 | $687,600 | — | $413 PMI | $5,613 | 7.488% |
| FHA | 3.5% · $26,740 | $750,162 | UFMIP $12,902 | $467 MIP | $6,085 | 7.964% |
| VA | 0% · $0 | $780,426 | Funding fee $16,426 | $0 | $5,820 | 7.242% |
| JumboLoan is conforming (≤ $832,750) | 20% · $152,800 | $611,200 | — | $0 | $4,691 | 7.030% |
California high-cost counties (2026)
17 counties have a one-unit conforming limit above the $832,750 baseline. Loans up to these amounts are conforming, not jumbo.
- Alameda County$1,249,125
- Contra Costa County$1,249,125
- Los Angeles County$1,249,125
- Marin County$1,249,125
- Orange County$1,249,125
- San Benito County$1,249,125
- San Francisco County$1,249,125
- San Mateo County$1,249,125
- Santa Clara County$1,249,125
- Santa Cruz County$1,249,125
- San Diego County$1,104,000
- Ventura County$1,035,000
- Napa County$1,017,750
- San Luis Obispo County$1,000,500
- Monterey County$994,750
- Santa Barbara County$941,850
- Sonoma County$897,000
Frequently asked questions
What is the monthly mortgage payment on a $764,000 home in California?
$764,000 is the typical California home value. With 10% down on a conventional loan, the estimated payment is $5,613 per month ($4,588 principal & interest, $478 property tax, $135 insurance, $413 PMI) at 7.03% for 30 years, including California's 0.75% effective property tax rate.
What is the 2026 conforming loan limit in California?
$832,750 in most counties and up to $1,249,125 in 17 high-cost counties, including Alameda County, Contra Costa County, Los Angeles County.
How much income do I need for a $764,000 home in California?
About $241,000 a year if housing costs stay within 28% of gross income — a common lender guideline. Lenders also look at total debt-to-income, usually capped around 43%–50%.
How much house can I afford in California on a $100,000 salary?
About $306,000 with 10% down, keeping the payment (including California property tax, insurance and PMI) within 28% of gross income at 7.03%. The typical California home ($764,158) needs roughly $241,000 a year.
Explore related calculators
Data sources & assumptions
- Freddie Mac Primary Mortgage Market Survey (PMMS) — Weekly average as of September 24, 2026
- Zillow Home Value Index (ZHVI), typical home value, all homes — Default home prices; typical value as of August 31, 2026
- FHFA 2026 Conforming Loan Limit Values (one-unit) — 2026 one-unit limits, 56 states & territories
- HUD FHA Mortgage Limits lookup — FHA floor $541,287; high-cost counties follow the conforming limit — confirm on HUD
- Effective statewide property tax rate (Tax Foundation, 2026 projections) — Statewide effective rate; county rates vary
- Average annual homeowners premium, $300K dwelling / $1K deductible (industry survey averages) — Statewide average premium
Estimates exclude lender origination fees, points and closing costs. See our methodology for formulas and limitations.