California Mortgage Calculator
Estimate your monthly mortgage payment including taxes and insurance.
- Free
- No signup required
- Updated for 2026
Use our free California mortgage calculator to estimate your monthly payment including principal, interest, property taxes, and insurance. See a full amortization schedule and compare different loan terms. Rates vary by county; we use a statewide average for estimates.
Loan details
Rates vary by county. This is an estimated statewide average.
Monthly payment
$4,392.41
- Principal & interest$3,792.41
- Property tax$500.00
- Insurance$100.00
Loan amount: $600,000 · Total interest: $765,267
Monthly breakdown
Amortization schedule
| Month | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | $3,792.41 | $542.41 | $3,250.00 | $599,457.59 |
| 2 | $3,792.41 | $545.35 | $3,247.06 | $598,912.25 |
| 3 | $3,792.41 | $548.30 | $3,244.11 | $598,363.95 |
| 4 | $3,792.41 | $551.27 | $3,241.14 | $597,812.68 |
| 5 | $3,792.41 | $554.26 | $3,238.15 | $597,258.42 |
| 6 | $3,792.41 | $557.26 | $3,235.15 | $596,701.16 |
| 7 | $3,792.41 | $560.28 | $3,232.13 | $596,140.88 |
| 8 | $3,792.41 | $563.31 | $3,229.10 | $595,577.57 |
| 9 | $3,792.41 | $566.36 | $3,226.05 | $595,011.21 |
| 10 | $3,792.41 | $569.43 | $3,222.98 | $594,441.78 |
| 11 | $3,792.41 | $572.52 | $3,219.89 | $593,869.26 |
| 12 | $3,792.41 | $575.62 | $3,216.79 | $593,293.65 |
| 13 | $3,792.41 | $578.73 | $3,213.67 | $592,714.91 |
| 14 | $3,792.41 | $581.87 | $3,210.54 | $592,133.04 |
| 15 | $3,792.41 | $585.02 | $3,207.39 | $591,548.02 |
| 16 | $3,792.41 | $588.19 | $3,204.22 | $590,959.83 |
| 17 | $3,792.41 | $591.38 | $3,201.03 | $590,368.46 |
| 18 | $3,792.41 | $594.58 | $3,197.83 | $589,773.88 |
| 19 | $3,792.41 | $597.80 | $3,194.61 | $589,176.08 |
| 20 | $3,792.41 | $601.04 | $3,191.37 | $588,575.04 |
| 21 | $3,792.41 | $604.29 | $3,188.11 | $587,970.75 |
| 22 | $3,792.41 | $607.57 | $3,184.84 | $587,363.18 |
| 23 | $3,792.41 | $610.86 | $3,181.55 | $586,752.32 |
| 24 | $3,792.41 | $614.17 | $3,178.24 | $586,138.16 |
Showing rows 1–24 of 360
Frequently asked questions
Property tax rates in California vary by county. This calculator uses a statewide average as the default; you can change the rate in the form. Check your county assessor for exact rates.
Enter your home price, down payment, interest rate, and loan term. We pre-fill California's typical property tax rate. Add your annual insurance and any HOA fees. The calculator shows your total monthly payment and a full amortization schedule.
Principal and interest are calculated with the standard amortization formula. Property tax and insurance are estimates. This tool is for planning only and does not constitute financial advice.
California Mortgage Overview
California is one of the most expensive housing markets in the United States. The median home price is well above the national average, and many buyers rely on mortgage calculators to understand how much they can afford and what their monthly payments would look like.
Average Property Tax in California
California has relatively low effective property tax rates compared to many other states, typically in the 0.70%–0.85% range. Proposition 13 caps the base year value and limits annual increases, which keeps property taxes more predictable for long-term homeowners. Our calculator uses a statewide average; actual rates vary by county and city.
Housing Affordability in California
With high home prices in major metros like Los Angeles, San Francisco, and San Diego, down payment and loan amount have a big impact on monthly payments. Use this calculator to try different down payment percentages (e.g., 10%, 20%) and loan terms (15-year vs 30-year) to see how your monthly payment and total interest change.
Tips for California Buyers
- Consider both conventional and FHA loans; down payment requirements differ.
- Property taxes are based on purchase price (or base year value) and limited increases.
- Homeowners insurance can be higher in wildfire-prone areas; use a realistic annual estimate in the calculator.
- HOA fees are common in condos and many planned communities; add them in the optional HOA field.
This calculator provides estimates only. For exact figures, consult a licensed lender and your county assessor.