Calculate Your Dream Home Costs in California
Planning to purchase a home in the Golden State? Using a reliable California Mortgage Calculator with Taxes is the most important step in your home-buying journey. Our advanced tool provides an all-in-one solution to estimate your monthly payments, factoring in California’s unique 1.25% average property tax rate, current interest rates, and Private Mortgage Insurance (PMI). Whether you’re a first-time buyer or looking to refinance, this calculator ensures you have a transparent breakdown of your total housing costs for 2026
Mortgage Calculator
Estimate your monthly payments including CA taxes.
Understanding Your California Mortgage Estimate
California's real estate market is unique. To get the most accurate results from this tool, here are a few factors you should know:
- California Property Taxes: While the base tax rate is 1% according to Proposition 13, local voter-approved bonds and assessments usually bring the effective rate to around 1.25%. Our tool uses this average to give you a realistic estimate.
- Down Payment & PMI: In the U.S., if you put down less than 20% of the home's purchase price, lenders usually require Private Mortgage Insurance (PMI). This tool automatically adds an estimated PMI to your monthly total if your down payment is below the 20% threshold.
- Home Insurance: California homeowners insurance can vary significantly depending on fire risk zones. This calculator provides a standard estimate, but it's always wise to get a specific quote for your zip code.
Disclaimer: This California Mortgage Calculator is provided for illustrative and educational purposes only. The results are estimates based on average California tax rates and insurance costs and do not constitute financial advice or a loan commitment. Actual mortgage rates, taxes, and insurance premiums may vary based on your credit score, exact property location, and lender requirements. Please consult with a qualified financial advisor or mortgage professional before making any real estate decisions.