San Francisco Mortgage Calculator
Estimate your monthly mortgage payment in San Francisco, CA. On the local median home value of $1,350,000 — with a 20% down payment at today's rates — expect a total monthly payment (principal, interest, taxes, and insurance) of about $7,778. Adjust every input for your situation.
Loan Amount
$1,080,000
20.00% down
Total Interest
$1,377,480
Over 30 years
Monthly Breakdown
- Principal & Interest$6,826
- Property Tax$844
- Home Insurance$108
Amortization Schedule
| Year | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | $81,916 | $12,071 | $69,845 | $1,067,929 |
| 2 | $81,916 | $12,880 | $69,036 | $1,055,049 |
| 3 | $81,916 | $13,742 | $68,174 | $1,041,306 |
| 4 | $81,916 | $14,663 | $67,253 | $1,026,643 |
| 5 | $81,916 | $15,645 | $66,271 | $1,010,999 |
| 6 | $81,916 | $16,693 | $65,223 | $994,306 |
| 7 | $81,916 | $17,811 | $64,105 | $976,495 |
| 8 | $81,916 | $19,003 | $62,913 | $957,492 |
| 9 | $81,916 | $20,276 | $61,640 | $937,216 |
| 10 | $81,916 | $21,634 | $60,282 | $915,582 |
| 11 | $81,916 | $23,083 | $58,833 | $892,499 |
| 12 | $81,916 | $24,629 | $57,287 | $867,871 |
| 13 | $81,916 | $26,278 | $55,638 | $841,593 |
| 14 | $81,916 | $28,038 | $53,878 | $813,555 |
| 15 | $81,916 | $29,916 | $52,000 | $783,639 |
| 16 | $81,916 | $31,919 | $49,997 | $751,719 |
| 17 | $81,916 | $34,057 | $47,859 | $717,662 |
| 18 | $81,916 | $36,338 | $45,578 | $681,325 |
| 19 | $81,916 | $38,771 | $43,145 | $642,553 |
| 20 | $81,916 | $41,368 | $40,548 | $601,185 |
| 21 | $81,916 | $44,139 | $37,777 | $557,046 |
| 22 | $81,916 | $47,095 | $34,821 | $509,952 |
| 23 | $81,916 | $50,249 | $31,667 | $459,703 |
| 24 | $81,916 | $53,614 | $28,302 | $406,089 |
| 25 | $81,916 | $57,204 | $24,712 | $348,885 |
| 26 | $81,916 | $61,036 | $20,880 | $287,849 |
| 27 | $81,916 | $65,123 | $16,793 | $222,726 |
| 28 | $81,916 | $69,485 | $12,431 | $153,242 |
| 29 | $81,916 | $74,138 | $7,778 | $79,103 |
| 30 | $81,916 | $79,103 | $2,813 | $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 Francisco (about $1,350,000). 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 Francisco. At $1,350,000 with a 20% down payment, you'd bring $270,000 to closing (plus closing costs) and take out a $1,080,000 mortgage. At a 6.50% interest rate on a 30-year fixed loan, your monthly principal + interest is roughly $6,826.
Annual costs on top of the loan. California's average property tax rate is 0.75%, so a median-priced San Francisco home generates approximately $10,125 in annual property tax (about $844/mo when paid through escrow). Homeowner's insurance in California averages around $1,300/year.
Total monthly payment (PITI) on the median San Francisco home works out to about $7,778 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.