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
The median home price in San Francisco is $1,200,000, above the national median of $420,000. With a median household income of $130,000, the price-to-income ratio is 9.2x — meaning buyers typically spend 9.2 years of gross income on the purchase price.
Property taxes in San Francisco run 0.65% of assessed value. On the median home, that is $7,800 per year, or $650 per month added to your mortgage payment. This is well below the national average of 1.1%, giving San Francisco homeowners a meaningful property tax advantage.
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 Francisco is 194 (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 $960,000 loan saves $43,200 in interest over 30 years.
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Neighborhood-level data for 2 ZIP codes in San Francisco. Rates, home prices, and estimated payments vary by area.