San Francisco, CA Mortgage Calculator
In San Francisco, California, the median home is around $1,300,000. With 20% down at 6.85% and California's ~0.73% effective property-tax rate, the all-in monthly payment is roughly $7,984.70 including principal, interest, property tax, and insurance.
Payment breakdown
- Principal & interest$6,814.70
- Property tax$1,191.67
- Home insurance$379.17
Balance over time
| Year | Principal paid | Interest paid | Ending balance |
|---|---|---|---|
| 1 | $10,874 | $70,903 | $1,029,126 |
| 2 | $11,642 | $70,134 | $1,017,484 |
| 3 | $12,465 | $69,311 | $1,005,019 |
| 4 | $13,346 | $68,430 | $991,672 |
| 5 | $14,290 | $67,486 | $977,382 |
| 6 | $15,300 | $66,476 | $962,082 |
| 7 | $16,382 | $65,395 | $945,701 |
| 8 | $17,540 | $64,237 | $928,161 |
| 9 | $18,780 | $62,997 | $909,381 |
| 10 | $20,107 | $61,669 | $889,274 |
| 11 | $21,529 | $60,248 | $867,745 |
| 12 | $23,051 | $58,726 | $844,694 |
| 13 | $24,680 | $57,096 | $820,014 |
| 14 | $26,425 | $55,352 | $793,589 |
| 15 | $28,293 | $53,484 | $765,297 |
| 16 | $30,293 | $51,483 | $735,004 |
| 17 | $32,434 | $49,342 | $702,569 |
| 18 | $34,727 | $47,049 | $667,842 |
| 19 | $37,182 | $44,594 | $630,660 |
| 20 | $39,811 | $41,966 | $590,849 |
| 21 | $42,625 | $39,151 | $548,224 |
| 22 | $45,638 | $36,138 | $502,586 |
| 23 | $48,864 | $32,912 | $453,722 |
| 24 | $52,319 | $29,458 | $401,403 |
| 25 | $56,017 | $25,759 | $345,385 |
| 26 | $59,977 | $21,799 | $285,408 |
| 27 | $64,217 | $17,559 | $221,191 |
| 28 | $68,757 | $13,020 | $152,434 |
| 29 | $73,617 | $8,159 | $78,816 |
| 30 | $78,816 | $2,955 | $0 |
Frequently asked questions
What's a typical mortgage payment in San Francisco, CA?
On a median San Francisco home (about $1,300,000) with 20% down at 6.85%, the full monthly payment is roughly $7,984.70 — principal, interest, California property tax, and insurance.
How much do you need to earn to buy a home in San Francisco?
Using the 28% housing rule, a $7,984.70 payment fits an income near $342,201 a year, before accounting for your other debts.
What are property taxes like in San Francisco?
California's effective property-tax rate averages about 0.73% of home value — roughly $9,490 a year on a $1,300,000 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.