Sacramento, CA mortgage calculator

Sacramento
Mortgage
Calculator

Sacramento offers one of California's most accessible entry points into homeownership, with prices roughly half those of the Bay Area and a growing economy tied to state government, healthcare, and tech migration. Sacramento County's effective tax rate is in line with the statewide average.

1.05% county property tax
Real local rates
No sign-up required
$
$
Interest rate6.48%
Monthly payment
$2,852
P&I · Taxes · Insurance
Total interest
$457,456
Principal & Interest$2,271/mo
Property Tax (1.05%)$394/mo
Homeowners Insurance$188/mo

Recommended for incomes above $125k/yr (28% DTI rule)

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1.05%
Sacramento area property tax rate
$450,000
Sacramento median home price
$2,852
est. monthly payment at defaults

Sacramento housing market

$450,000
Median home price
$65,000
Median household income
530,000
City population

The 1.05% property tax rate reflects the county-level effective rate for Sacramento and is used to calculate your monthly tax escrow above. This rate may differ from the statewide California average — county-level data produces more accurate monthly payment estimates for Sacramento buyers. Many Sacramento properties also carry HOA fees — the area average is approximately $200/month, which is not included in the calculator above.

Rate history

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