California (CA) · West Real Estate Profile
California Mortgage Payment & Property Tax Guide
Calculate your exact monthly housing expense in California. In California, the effective statewide property tax rate averages 0.73% and homeowners insurance averages 0.48% of home market value. Explore 25 pre-calculated loan scenarios below.
Effective Property Tax0.73%
Homeowners Insurance0.48%
Median Home Price$790,000
Conforming Loan Limit$766,550
Property Tax Context for California: At 0.73%, a median-priced home of $790,000 pays roughly $5,767 per year in property taxes ($481/month). Millage rates vary across counties and municipalities.
Companion Tax Engine
View California Tax Tables →Check Take-Home Pay Across All 50 States on AfterTaxMath
See exact net salary, state income tax withholding, and FICA deductions for California residents.
Monthly Payment Benchmarks in California (30-Year Fixed at 6.50%%)
Estimated monthly PITI payments assuming 20% down payment and standard 28% DTI underwriting:
| Loan Amount | Est. Home Value | 30-Yr P&I | CA Property Tax | Total PITI/mo | Required Salary | Details |
|---|---|---|---|---|---|---|
| $150,000 | $187,500 | $948/mo | $114/mo | $1,137/mo | $49,000/yr | View schedule → |
| $250,000 | $312,500 | $1,580/mo | $190/mo | $1,895/mo | $81,000/yr | View schedule → |
| $350,000 | $437,500 | $2,212/mo | $266/mo | $2,653/mo | $114,000/yr | View schedule → |
| $450,000 | $562,500 | $2,844/mo | $342/mo | $3,411/mo | $146,000/yr | View schedule → |
| $550,000 | $687,500 | $3,476/mo | $418/mo | $4,170/mo | $179,000/yr | View schedule → |
| $750,000 | $937,500 | $4,741/mo | $570/mo | $5,686/mo | $244,000/yr | View schedule → |
| $1,000,000 | $1,250,000 | $6,321/mo | $760/mo | $7,581/mo | $325,000/yr | View schedule → |
Browse all 25 loan amounts in California
Select any loan principal to view detailed amortization, rate sensitivity, and DTI requirements:
$100k in CA$758/mo$150k in CA$1,137/mo$200k in CA$1,516/mo$250k in CA$1,895/mo$300k in CA$2,274/mo$350k in CA$2,653/mo$400k in CA$3,032/mo$450k in CA$3,411/mo$500k in CA$3,791/mo$550k in CA$4,170/mo$600k in CA$4,549/mo$650k in CA$4,928/mo$700k in CA$5,307/mo$750k in CA$5,686/mo$800k in CA$6,065/mo$850k in CA$6,444/mo$900k in CA$6,823/mo$950k in CA$7,202/mo$1 million in CA$7,581/mo$1.1 million in CA$8,339/mo$1.2 million in CA$9,097/mo$1.3 million in CA$9,855/mo$1.4 million in CA$10,614/mo$1.5 million in CA$11,372/mo$2 million in CA$15,162/mo
Explore neighboring West states
Compare mortgage payment benchmarks and property taxes across neighboring West jurisdictions:
Alaska (1.18% tax)View guide →Arizona (0.60% tax)View guide →Colorado (0.55% tax)View guide →Hawaii (0.31% tax)View guide →Idaho (0.63% tax)View guide →Montana (0.74% tax)View guide →
Closing Costs & Transfer Tax in California
County documentary transfer tax base rate is $1.10 per $1,000; cities may levy additional fees.