San Diego Mortgage Calculator 2026

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 San Diego County's effective rate of 0.73% — the county-level average for owner-occupied homes in San Diego. If you know your specific rate from a recent tax bill, 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.

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. Homes in San Diego are taxed through San Diego County, where the effective property tax rate averages 0.73% — so a median-priced San Diego home generates approximately $6,570 in annual property tax (about $548/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 $5,207 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.