Mortgage · CA

Mortgage Affordability Calculator — California

See how much house you can afford in California, with property tax factored in at the state's ~0.69% effective rate. Adjust income, debts, and down payment to fit your situation.

Your details

Annual income$Monthly debts$Car, student-loan and credit-card minimum payments.Down payment$Interest rate%Loan termMax debt-to-income36 %

20 %50 %

Property tax$Annual property tax — it competes with principal & interest inside your budget.Home insurance$Annual homeowners insurance premium.

Home you can afford

$470,333.43

Max loan: $430,333.43
Total housing budget / mo: $3,100.00
For principal & interest / mo: $2,720.00

Home you can afford$470,333.43

Sources & methodology

Property tax factored using California's effective rate (0.69%) on a representative home price. Your real budget depends on income, debts, and local rates. Rate is a 2024 effective rate (Tax Foundation / U.S. Census ACS), verified 2026-07-20 — an estimate; county and local rates and assessments vary. Uses a debt-to-income cap covering full PITI — property tax and insurance are subtracted before deriving the loan. Excludes PMI and HOA.

•Tax Foundation — property taxes by state (2024 ACS data) — Tax Foundation
•CFPB — how much can you afford — CFPB

Estimates for informational purposes only — not tax or financial advice. Local rates vary. Last updated: 2026-07-20

Your details

Sources & methodology

Mortgage Affordability Calculator by state