KLOORACalifornia Mortgage Calculator
Calculate your monthly California mortgage payment with property tax at about 0.71 percent, insurance and PMI.
How to use California Mortgage Calculator
- Enter your values in the fields.
- The results update instantly as you type.
- Note or copy the numbers you need.
Features
- Instant results
- Free, no signup
- Runs in your browser, nothing is uploaded
- Works on phone and desktop
California monthly payment by home price
| Home price | Principal and interest | Property tax | Total with insurance and PMI |
|---|---|---|---|
| 250,000 | 1,422 | 148 | 1,814 |
| 350,000 | 1,991 | 207 | 2,479 |
| 450,000 | 2,560 | 266 | 3,145 |
| 600,000 | 3,413 | 355 | 4,143 |
The table assumes 10 percent down, a 6.5 percent rate, a 30 year term, 0.71 percent property tax, 1,800 insurance and PMI at 0.5 percent of the loan.
Data checked November 2026. Rates change, so confirm with your state agency before you rely on them.
Frequently asked questions
How much is a mortgage payment in California?
On a 350,000 home with 10 percent down at 6.5 percent over 30 years, principal and interest is about 1,991 a month. With California property tax of about 207 a month, insurance and PMI, the total is around 2,479.
What property tax rate does this use?
About 0.71 percent of home value a year, the average effective rate in California. Change it to your county rate.
Do I need PMI in California?
Lenders usually require PMI when you put down less than 20 percent. The calculator estimates it at 0.5 percent of the loan a year.
Does it include home insurance?
Yes. The default is 1,800 a year, and you can change it to your quote.
Is the California Mortgage Calculator free?
Yes. It is free, needs no signup and works on any device.