Monthly Payment Calculator

See exactly what your monthly mortgage payment will be, including principal, interest, taxes, and insurance (PITI).

San Diego property tax rate is approximately 1.1% of assessed value.

Payment Components

Home Price

Down Payment ($)

Down Payment (%)

Interest Rate (%)

Loan Term

Property Tax Rate (%)

Annual Insurance ($)

Monthly HOA Dues ($)

Leave at 0 if no HOA

Understanding Your Mortgage Payment

Principal & Interest: The main loan payment that goes toward your home

Property Taxes: San Diego averages ~1.1% of home value annually

Homeowners Insurance: Typically $1,500-$3,000/year in San Diego

PMI: Required if down payment is less than 20% (typically 0.5-1% of loan)

HOA Fees: Common in San Diego condos and planned communities ($200-800/mo)

Tips for Lower Payments

Higher Down Payment: 20%+ eliminates PMI requirement

Shop Rates: Even 0.25% lower rate saves thousands

Shorter Term: 15-year loans have lower rates but higher payments

Improve Credit: Better credit score = better rate offers