What property-tax rate does this California mortgage calculator use?

It uses California's effective real-estate tax rate of 0.7% of home value per year, from WalletHub's "Property Taxes by State in 2026" study (median tax payment ÷ median home price), as of 2026-02-17. California property tax is actually set locally by county/city/school district and varies within the state, so treat 0.7% as a statewide average estimate, not a quote for a specific address.

How much is homeowners insurance in California?

The average homeowners-insurance premium in California is about $1,616/yr for a policy with $300,000 dwelling coverage — below the $2,543 national average — per Insurance.com / Quadrant Information Services data as of 2026-03-20. Your own quote depends on the home's rebuild cost, age, claims history and the coverage you choose.

What is the total monthly mortgage payment on a $400,000 home in California?

On a $400,000 home with 20% down ($80,000) at 6.5% over 30 years: principal & interest ≈ $2,023, California property tax ≈ $233/mo (0.7%), homeowners insurance ≈ $135/mo. That is about $2,391/mo total (no PMI at 20% down). Use the calculator for your own numbers.

Does the calculator include PMI?

Yes. If your down payment is under 20%, it adds private mortgage insurance estimated at 0.5%/yr of the loan balance (the typical conventional-loan mid-range; actual PMI runs roughly 0.2%–2%/yr). At 20% or more down, no PMI is added.

Is my data sent anywhere?

No. All calculations run entirely in your browser. No home price, down payment or other input is transmitted to any server.

California Monthly Mortgage Cost Calculator 2026 — Payment with Property Tax & Insurance

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California Monthly Mortgage Cost Calculator

Your real monthly mortgage payment in California is more than principal and interest — it is PITI: principal, interest, property tax and insurance (plus PMI if you put down less than 20%). This calculator uses California’s real figures rather than a national guess:

Property tax: California’s effective rate is 0.7% of home value per year (WalletHub “Property Taxes by State in 2026” effective real-estate tax rate, as of 2026-02-17).
Homeowners insurance: the California average is $1,616/yr for a $300,000 dwelling — below the $2,543 national average (Insurance.com / Quadrant Information Services ($300,000 dwelling), as of 2026-03-20).

Enter your home price, down payment, rate and term below. Everything runs in your browser — no inputs are transmitted.

Estimate only. California property tax is set locally (county/city/school district) and varies within the state; the 0.7% rate is a statewide average. Insurance is a state average for a $300k dwelling; your quote will differ. HOA dues and closing costs are excluded. Not a loan offer or tax advice.