Thanks to Proposition 13, California property tax rates are relatively low — roughly 0.7%–0.8% of assessed value per year, with annual increases capped. The bigger driver of a California payment is the home price itself. This calculator defaults to a CA-typical rate and price; adjust for local assessments and Mello-Roos where they apply.
How this calculator works
Enter your numbers and the monthly payment recalculates instantly — no submit button, no page reload. The payment breakdown separates principal, interest, taxes, insurance, PMI and HOA. Use the tabs to view a full amortization schedule, compare scenarios side by side, or work backward from a monthly budget. Your inputs are encoded in the page link so you can bookmark or share a scenario without any account.