California mortgage calculator

30-year fixed mortgage calculator with California-specific defaults. Median home price $785,000 · property tax effective rate 0.75%. All inputs update live; share your scenario as a URL.

Median home price reconciled 2026-04-22. Source: Zillow Home Value Index, state-level.

Your loan

Home price

$100k$2M

Down payment$157,000

Interest rate30-yr avg: 6.875%

Loan term

Taxes & insurance

(optional, but realistic)

State

California

State pre-set for this page. Switch state

Property tax rate

~$491 per month

Homeowner insurance

HOA dues (if any)

PMI required. With 20% down (LTV 80.0%), private mortgage insurance is added at 0.50% of the loan annually — that's $262/month. PMI auto-removes at month 28 (78% LTV, per the Homeowners Protection Act).

Extra payments

(optional — accelerate payoff)

Biweekly paymentsPay half the monthly amount every two weeks (26 half-payments per year ≈ 13 monthly equivalents). Typically saves 4-7 years and tens of thousands in interest on a 30-year loan.

Extra each month

Applied as additional principal every month.

One-time lump sum

Single payment toward principal at the specified month (e.g. tax refund or bonus).

Estimated monthly payment

For a $785,000 home, 20% down, 6.875% APR, 30-year fixed in California.

Where your payment goes

Principal & interest$4,126

Property tax$491

Homeowner insurance$145

PMI$262

Loan amount

$628,000

Total interest

$857,185

Total paid

$1,485,185

Compare scenarios →

How your balance falls over time

The crossover point — where more of each payment goes to principal than interest — is at year 20.

BalanceInterest paidPrincipal paid

Amortization schedule

Year-by-year breakdown of every payment.

Period	Payment	Principal	Interest	Total interest paid	Balance
Y01Year 1	$49,506	$6,535	$42,972	$42,972	$621,465
Y02Year 2	$49,506	$6,998	$42,508	$85,480	$614,467
Y03Year 3	$49,506	$7,495	$42,011	$127,491	$606,973
Y04Year 4	$49,506	$8,027	$41,480	$168,971	$598,946
Y05Year 5	$49,506	$8,596	$40,910	$209,881	$590,350
Y06Year 6	$49,506	$9,206	$40,300	$250,181	$581,144
Y07Year 7	$49,506	$9,859	$39,647	$289,827	$571,284
Y08Year 8	$49,506	$10,559	$38,947	$328,775	$560,725
Y09Year 9	$49,506	$11,308	$38,198	$366,973	$549,417
Y10Year 10	$49,506	$12,111	$37,396	$404,368	$537,307
Y11Year 11	$49,506	$12,970	$36,536	$440,904	$524,337
Y12Year 12	$49,506	$13,890	$35,616	$476,520	$510,446
Y13Year 13	$49,506	$14,876	$34,630	$511,150	$495,570
Y14Year 14	$49,506	$15,931	$33,575	$544,725	$479,639
Y15Year 15	$49,506	$17,062	$32,444	$577,169	$462,577
Y16Year 16	$49,506	$18,273	$31,234	$608,403	$444,304
Y17Year 17	$49,506	$19,569	$29,937	$638,340	$424,735
Y18Year 18	$49,506	$20,958	$28,548	$666,888	$403,777
Y19Year 19	$49,506	$22,445	$27,061	$693,949	$381,332
Y20Year 20	$49,506	$24,038	$25,469	$719,418	$357,295
Y21Year 21	$49,506	$25,743	$23,763	$743,181	$331,551
Y22Year 22	$49,506	$27,570	$21,936	$765,117	$303,981
Y23Year 23	$49,506	$29,526	$19,980	$785,097	$274,455
Y24Year 24	$49,506	$31,621	$17,885	$802,981	$242,834
Y25Year 25	$49,506	$33,865	$15,641	$818,622	$208,968
Y26Year 26	$49,506	$36,268	$13,238	$831,860	$172,700
Y27Year 27	$49,506	$38,842	$10,664	$842,525	$133,858
Y28Year 28	$49,506	$41,598	$7,908	$850,433	$92,260
Y29Year 29	$49,506	$44,550	$4,957	$855,389	$47,711
Y30Year 30	$49,506	$47,711	$1,795	$857,185	$0

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California context

Median home price is more than double the national average. Conforming loan limits are higher in high-cost counties (LA, Orange, Bay Area). Property tax capped at 1% of assessed value under Proposition 13.

California — related

California income tax

Top marginal 13.30% · 10 brackets

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Compare scenarios

Up to three mortgage scenarios side-by-side with a differential row.

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National 30-year fixed

Same calculator with cross-state defaults; manually pick any state.

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Last updated 2026-05-13