San Francisco, CA mortgage calculator

San Francisco
Mortgage
Calculator

San Francisco is the most expensive housing market in the contiguous United States, with median home prices above $1.3 million. Proposition 13 limits effective property tax rates after purchase, but the sheer purchase price makes monthly payments among the nation's highest.

1.18% county property tax
Real local rates
No sign-up required
$
$
Interest rate6.48%
Monthly payment
$8,380
P&I · Taxes · Insurance
Total interest
$1,321,540
Principal & Interest$6,560/mo
Property Tax (1.18%)$1,278/mo
Homeowners Insurance$542/mo

Recommended for incomes above $360k/yr (28% DTI rule)

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1.18%
San Francisco area property tax rate
$1,300,000
San Francisco median home price
$8,380
est. monthly payment at defaults

San Francisco housing market

$1,300,000
Median home price
$130,000
Median household income
874,961
City population

The 1.18% property tax rate reflects the county-level effective rate for San Francisco 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 San Francisco buyers. Many San Francisco properties also carry HOA fees — the area average is approximately $600/month, which is not included in the calculator above.

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