CALCMONEY // MORTGAGE // CA // EL DORADO HILLS
Calculate your monthly mortgage payment using El Dorado Hills-specific property tax rates and local market data.
$820,000
6.85%
1.1%
164
| Principal & Interest | $4,299 |
| Property Tax | $752 |
| Homeowners Insurance (est.) | $273 |
| Total Monthly Payment (PITI) | $5,324 |
$164,000
$891,460
$228,150/yr
$820,000 buys the median home in El Dorado Hills right now. With 20% down, that's a $164,000 down payment and a $656,000 loan, set against a $145,000 median household income.
Property taxes in El Dorado Hills run 1.1% of assessed value, in line with the 1.1% national average. On the median home, that's $9,020 a year, or $752 added to the monthly payment.
California levies a state income tax on top of the $5,324/month this mortgage runs. Model your real after-tax take-home before deciding how much payment you can carry.
El Dorado Hills's cost of living index is 164, above the 100 national baseline. That's on top of the housing numbers above, not instead of them.
El Dorado Hills's median home price runs 8% lower than nearby Los Angeles: $895,000 there versus $820,000 here.
Once you have your payment estimate, comparing lenders is the most important step. A 0.25% rate difference on a $656,000 loan saves $29,520 in interest over 30 years.
Compare Top El Dorado Hills Mortgage LendersLos Angeles
$895,000 median
CASan Diego
$870,000 median
CASan Francisco
$1,200,000 median
CASacramento
$550,000 median
Neighborhood-level data for 1 ZIP codes in El Dorado Hills. Rates, home prices, and estimated payments vary by area.