San Diego Mortgage Calculator with Tax and Insurance


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The mortgage payment includes tax and insurance.
Mortgage payment factors vary by address: The property tax rate in downtown San Diego is 1.225%.

Look up the tax rate for the property address you're purchasing to adjust the calculator.
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Property Tax Lookup Steps:
  1. Open the tax lookup tool
  2. Select “Option 2: Mailing Address.”
  3. Enter the street number and name only. Omit suffixes like St or Ave. Enter the zip code and “Begin Search.”
  4. Select “View Bill.”
  5. Find the total property tax rate in bold beneath the district rates.


To remove tax and insurance from the calculator, set the amounts to $0.
What's included in a monthly mortgage payment in San Diego?
Principal and Interest:
San Diego Property Tax:
San Diego Homeowners Insurance:
PMI:
HOA:
Total Mortgage Payment:
Extra Payment Calculator

Mortgage Payment: 
Extra Payment:
 $
Total Payment = 

An extra payment of $ saves in total interest over the life of the mortgage and makes the loan  months shorter.
Amortization

The amortization table includes the extra payment. View standard amortization by setting the extra payment to $0.

San Diego Homeowners Association Fees (HOA)

The average HOA fee in San Diego is $595 per month when buying a condo or home with neighborhood maintenance fees.

If the home you are buying does not require HOA dues, then set the amount to $0.

Your HOA fee: $ / month
Private Mortgage Insurance (PMI)

PMI is included in a San Diego mortgage if the downpayment is under 20%. ​

If PMI is not included in on your loan type, then click the checkbox to remove PMI. ​

Learn more about PMI from the CFPB.
What are the finance charges for the life of the home loan?

Finance charges can exceed the cost of homes due to the length of the loans involved.

Mortgage finance charges are on a loan when making minimum payments for  years at % APR.

The finance charges with extra payments of $ per month are , saving in total bank interest.