Sacramento, CA Mortgage Calculator
In Sacramento, California, the median home is around $520,000. With 20% down at 6.85% and California's ~0.73% effective property-tax rate, the all-in monthly payment is roughly $3,193.88 including principal, interest, property tax, and insurance.
Payment breakdown
- Principal & interest$2,725.88
- Property tax$476.67
- Home insurance$151.67
Balance over time
| Year | Principal paid | Interest paid | Ending balance |
|---|---|---|---|
| 1 | $4,349 | $28,361 | $411,651 |
| 2 | $4,657 | $28,054 | $406,994 |
| 3 | $4,986 | $27,724 | $402,008 |
| 4 | $5,339 | $27,372 | $396,669 |
| 5 | $5,716 | $26,995 | $390,953 |
| 6 | $6,120 | $26,591 | $384,833 |
| 7 | $6,553 | $26,158 | $378,280 |
| 8 | $7,016 | $25,695 | $371,264 |
| 9 | $7,512 | $25,199 | $363,752 |
| 10 | $8,043 | $24,668 | $355,709 |
| 11 | $8,611 | $24,099 | $347,098 |
| 12 | $9,220 | $23,490 | $337,878 |
| 13 | $9,872 | $22,839 | $328,006 |
| 14 | $10,570 | $22,141 | $317,436 |
| 15 | $11,317 | $21,393 | $306,119 |
| 16 | $12,117 | $20,593 | $294,001 |
| 17 | $12,974 | $19,737 | $281,028 |
| 18 | $13,891 | $18,820 | $267,137 |
| 19 | $14,873 | $17,838 | $252,264 |
| 20 | $15,924 | $16,786 | $236,340 |
| 21 | $17,050 | $15,661 | $219,290 |
| 22 | $18,255 | $14,455 | $201,034 |
| 23 | $19,546 | $13,165 | $181,489 |
| 24 | $20,928 | $11,783 | $160,561 |
| 25 | $22,407 | $10,304 | $138,154 |
| 26 | $23,991 | $8,720 | $114,163 |
| 27 | $25,687 | $7,024 | $88,476 |
| 28 | $27,503 | $5,208 | $60,973 |
| 29 | $29,447 | $3,264 | $31,526 |
| 30 | $31,526 | $1,182 | $0 |
Frequently asked questions
What's a typical mortgage payment in Sacramento, CA?
On a median Sacramento home (about $520,000) with 20% down at 6.85%, the full monthly payment is roughly $3,193.88 — principal, interest, California property tax, and insurance.
How much do you need to earn to buy a home in Sacramento?
Using the 28% housing rule, a $3,193.88 payment fits an income near $136,881 a year, before accounting for your other debts.
What are property taxes like in Sacramento?
California's effective property-tax rate averages about 0.73% of home value — roughly $3,796 a year on a $520,000 home. Local rates vary by county and city assessment.
Sources: Freddie Mac Primary Mortgage Market Survey; Tax Foundation — Property Taxes by State; Consumer Financial Protection Bureau.
Estimates for educational purposes only — not a loan offer, financial advice, or a commitment to lend. Actual rates, payments, and terms vary by lender and creditworthiness.