San Diego, CA Mortgage Calculator
In San Diego, California, the median home is around $920,000. With 20% down at 6.85% and California's ~0.73% effective property-tax rate, the all-in monthly payment is roughly $5,650.71 including principal, interest, property tax, and insurance.
Payment breakdown
- Principal & interest$4,822.71
- Property tax$843.33
- Home insurance$268.33
Balance over time
| Year | Principal paid | Interest paid | Ending balance |
|---|---|---|---|
| 1 | $7,695 | $50,177 | $728,305 |
| 2 | $8,239 | $49,633 | $720,066 |
| 3 | $8,822 | $49,051 | $711,244 |
| 4 | $9,445 | $48,427 | $701,799 |
| 5 | $10,113 | $47,760 | $691,686 |
| 6 | $10,828 | $47,045 | $680,858 |
| 7 | $11,593 | $46,279 | $669,265 |
| 8 | $12,413 | $45,460 | $656,852 |
| 9 | $13,290 | $44,582 | $643,562 |
| 10 | $14,230 | $43,643 | $629,332 |
| 11 | $15,236 | $42,637 | $614,097 |
| 12 | $16,313 | $41,560 | $597,784 |
| 13 | $17,466 | $40,407 | $580,318 |
| 14 | $18,701 | $39,172 | $561,617 |
| 15 | $20,023 | $37,850 | $541,595 |
| 16 | $21,438 | $36,434 | $520,157 |
| 17 | $22,954 | $34,919 | $497,203 |
| 18 | $24,576 | $33,296 | $472,627 |
| 19 | $26,314 | $31,559 | $446,314 |
| 20 | $28,174 | $29,699 | $418,140 |
| 21 | $30,165 | $27,707 | $387,975 |
| 22 | $32,298 | $25,575 | $355,677 |
| 23 | $34,581 | $23,292 | $321,096 |
| 24 | $37,026 | $20,847 | $284,070 |
| 25 | $39,643 | $18,230 | $244,427 |
| 26 | $42,445 | $15,427 | $201,982 |
| 27 | $45,446 | $12,427 | $156,536 |
| 28 | $48,659 | $9,214 | $107,877 |
| 29 | $52,098 | $5,774 | $55,779 |
| 30 | $55,779 | $2,091 | $0 |
Frequently asked questions
What's a typical mortgage payment in San Diego, CA?
On a median San Diego home (about $920,000) with 20% down at 6.85%, the full monthly payment is roughly $5,650.71 — principal, interest, California property tax, and insurance.
How much do you need to earn to buy a home in San Diego?
Using the 28% housing rule, a $5,650.71 payment fits an income near $242,173 a year, before accounting for your other debts.
What are property taxes like in San Diego?
California's effective property-tax rate averages about 0.73% of home value — roughly $6,716 a year on a $920,000 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.