San Diego Mortgage Calculator
Estimate your monthly mortgage payment in San Diego, CA. On the local median home value of $900,000 — with a 20% down payment at today's rates — expect a total monthly payment (principal, interest, taxes, and insurance) of about $5,222. Adjust every input for your situation.
Monthly Breakdown
- Principal & Interest$4,551
- Property Tax$563
- Home Insurance$108
Amortization Schedule
| Year | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | $54,611 | $8,048 | $46,563 | $711,952 |
| 2 | $54,611 | $8,587 | $46,024 | $703,366 |
| 3 | $54,611 | $9,162 | $45,449 | $694,204 |
| 4 | $54,611 | $9,775 | $44,835 | $684,429 |
| 5 | $54,611 | $10,430 | $44,181 | $673,999 |
| 6 | $54,611 | $11,128 | $43,482 | $662,871 |
| 7 | $54,611 | $11,874 | $42,737 | $650,997 |
| 8 | $54,611 | $12,669 | $41,942 | $638,328 |
| 9 | $54,611 | $13,517 | $41,093 | $624,811 |
| 10 | $54,611 | $14,423 | $40,188 | $610,388 |
| 11 | $54,611 | $15,389 | $39,222 | $595,000 |
| 12 | $54,611 | $16,419 | $38,192 | $578,580 |
| 13 | $54,611 | $17,519 | $37,092 | $561,062 |
| 14 | $54,611 | $18,692 | $35,919 | $542,370 |
| 15 | $54,611 | $19,944 | $34,667 | $522,426 |
| 16 | $54,611 | $21,280 | $33,331 | $501,146 |
| 17 | $54,611 | $22,705 | $31,906 | $478,442 |
| 18 | $54,611 | $24,225 | $30,385 | $454,216 |
| 19 | $54,611 | $25,848 | $28,763 | $428,369 |
| 20 | $54,611 | $27,579 | $27,032 | $400,790 |
| 21 | $54,611 | $29,426 | $25,185 | $371,364 |
| 22 | $54,611 | $31,396 | $23,214 | $339,968 |
| 23 | $54,611 | $33,499 | $21,112 | $306,469 |
| 24 | $54,611 | $35,743 | $18,868 | $270,726 |
| 25 | $54,611 | $38,136 | $16,474 | $232,590 |
| 26 | $54,611 | $40,690 | $13,920 | $191,900 |
| 27 | $54,611 | $43,415 | $11,195 | $148,484 |
| 28 | $54,611 | $46,323 | $8,288 | $102,161 |
| 29 | $54,611 | $49,425 | $5,185 | $52,736 |
| 30 | $54,611 | $52,736 | $1,875 | $0 |
Swipe the table sideways to see all columns →
How to use this calculator
The Home Price field is pre-filled with the median home value in San Diego (about $900,000). Override with your target home's actual price to get a payment estimate for that specific property.
The Property Tax Rate is pre-filled with California's average effective rate of 0.75%. Within California, rates vary by county — if you know your specific local rate, override it for a more precise estimate.
Adjust the Down Payment slider to see how your payment changes. Below 20% down triggers PMI; the calculator adds it automatically and shows a warning.
Scroll down for the full PITI breakdown, monthly payment pie chart, and complete month-by-month amortization schedule.
How it works
Buying a median-priced home in San Diego. At $900,000 with a 20% down payment, you'd bring $180,000 to closing (plus closing costs) and take out a $720,000 mortgage. At a 6.50% interest rate on a 30-year fixed loan, your monthly principal + interest is roughly $4,551.
Annual costs on top of the loan. California's average property tax rate is 0.75%, so a median-priced San Diego home generates approximately $6,750 in annual property tax (about $563/mo when paid through escrow). Homeowner's insurance in California averages around $1,300/year.
Total monthly payment (PITI) on the median San Diego home works out to about $5,222 per month at current rates, assuming a 20% down payment and no HOA. If you're putting less than 20% down, add PMI to this — typically 0.5–1.5% of the loan balance per year.
Rates change; this is the math, not the offer. Mortgage rates fluctuate daily. Our default of 6.50% is a recent conventional 30-year benchmark — enter today's quoted rate from your lender for the most accurate payment estimate.
Frequently Asked Questions
Looking for a different city? Browse all cities. For California-specific property taxes, see the California Property Tax Calculator.