CALCMONEY // MORTGAGE // CA // SAN FRANCISCO
Calculate your monthly mortgage payment using San Francisco-specific property tax rates and local market data.
$1,200,000
6.85%
0.65%
194
| Principal & Interest | $6,290 |
| Property Tax | $650 |
| Homeowners Insurance (est.) | $400 |
| Total Monthly Payment (PITI) | $7,340 |
$240,000
$1,304,576
$314,592/yr
Home prices in San Francisco run 186% above the national median: $1,200,000 versus $420,000. Relative to the $130,000 median household income here, the price-to-income ratio comes out to 9.2x.
At a 0.65% effective rate, San Francisco property taxes add $650 to the monthly payment on the median home, $7,800 a year in total.
Unlike the nine no-income-tax states, California taxes wage income. Worth running your actual take-home pay against the $7,340/month payment here before locking in a target price.
Day-to-day expenses in San Francisco track at 194 against the national 100 baseline, above average once you look past the mortgage payment itself.
San Francisco's median home price runs 34% higher than nearby Los Angeles: $895,000 there versus $1,200,000 here.
Once you have your payment estimate, comparing lenders is the most important step. A 0.25% rate difference on a $960,000 loan saves $43,200 in interest over 30 years.
Compare Top San Francisco Mortgage LendersLos Angeles
$895,000 median
CASan Diego
$870,000 median
CASacramento
$550,000 median
CASan Jose
$1,350,000 median
Neighborhood-level data for 2 ZIP codes in San Francisco. Rates, home prices, and estimated payments vary by area.