California Mortgage Calculator
Estimate the monthly PITI payment on a California home. Preseeded with the state’s 0.75% effective property-tax rate, $1,400 average annual insurance, and $770,000 median home price.
Loan Parameters
$
$
Percentage
20.0 %
Loan Term
Advanced Options
$
Monthly Payment (PITI)
$4,748
- Principal & Interest
- $3,894
- Property Taxes
- $481
- Home Insurance
- $117
- PMI
- $257
Total Interest
$785,674
Total Cost
$1,616,924
Payoff Year
2056
California Property Tax, Insurance & Home Prices
- Effective property-tax rate
- 0.75%
- Avg annual insurance
- $1,400
- Median home price
- $770,000
Statewide averages, last reviewed May 2026. Actual rates and premiums vary significantly by county, city, and parcel — see the notes below.
Notable California Rules
Proposition 13 caps the annual assessed-value increase at 2% for as long as you own the home, and the base tax rate is 1% of acquisition value. This means long-term owners pay far less than recent buyers on identical homes. Wildfire-zone properties may face surcharges from the FAIR Plan when private insurance is unavailable.
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Frequently Asked Questions
- California's statewide effective property-tax rate is approximately 0.75% of home value (last reviewed May 2026). Actual county- and city-level rates vary; check your specific parcel before budgeting.