CALCMONEY // MORTGAGE // CA // SAN DIEGO
Calculate your monthly mortgage payment using San Diego-specific property tax rates and local market data.
$870,000
6.85%
0.76%
153
| Principal & Interest | $4,561 |
| Property Tax | $551 |
| Homeowners Insurance (est.) | $290 |
| Total Monthly Payment (PITI) | $5,402 |
$174,000
$945,817
$231,497/yr
The median home price in San Diego is $870,000, above the national median of $420,000. With a median household income of $88,000, the price-to-income ratio is 9.9x — meaning buyers typically spend 9.9 years of gross income on the purchase price.
Property taxes in San Diego run 0.76% of assessed value. On the median home, that is $6,612 per year, or $551 per month added to your mortgage payment. This is close to the national average of 1.1%.
California has a state income tax. Factor your take-home pay into how much mortgage you can comfortably carry each month.
The cost of living index in San Diego is 153 (national average = 100). Expect to pay more for groceries, transportation, and services in addition to housing.
Once you have your payment estimate, comparing lenders is the most important step. A 0.25% rate difference on a $696,000 loan saves $31,320 in interest over 30 years.
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