San Jose, CA mortgage calculator

San Jose
Mortgage
Calculator

The capital of Silicon Valley, San Jose posts some of the highest home prices in the country, driven by tech industry wages and severely constrained housing supply. Santa Clara County's effective tax rate is slightly above the California baseline.

1.15% county property tax
Real local rates
No sign-up required
$
$
Interest rate6.48%
Monthly payment
$7,705
P&I · Taxes · Insurance
Total interest
$1,219,883
Principal & Interest$6,055/mo
Property Tax (1.15%)$1,150/mo
Homeowners Insurance$500/mo

Recommended for incomes above $335k/yr (28% DTI rule)

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1.15%
San Jose area property tax rate
$1,200,000
San Jose median home price
$7,705
est. monthly payment at defaults

San Jose housing market

$1,200,000
Median home price
$115,000
Median household income
1,013,240
City population

The 1.15% property tax rate reflects the county-level effective rate for San Jose 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 Jose buyers. Many San Jose properties also carry HOA fees — the area average is approximately $500/month, which is not included in the calculator above.

Rate history

FAQ

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