A mortgage calculator that knows what state the house is in: principal and interest, plus California property tax at the state's effective rate (0.72% of value, ACS 2025 medians) and a closing-cost estimate in the CFPB's typical 2–5% range.
Loan: $616,560. Insurance estimated at 0.2% of value per year inside the monthly total.
P&I $3,897 · tax $462 · insurance $128
| Principal & interest / month | $3,897 |
| Property tax / year (0.72% effective) | $5,549 |
| Closing costs (one-time, estimate) | $18,497 |
| Total interest over the term | $786,388 |
The Census Bureau's ACS 2025 medians put California's typical bill at $5,537 on a $770,700 home — an effective 0.72%. Effective rates blend every local levy into one comparable number; your parcel's assessed value and local rates set the real bill.
Source: U.S. Census Bureau, ACS 2025 1-year estimates (tables B25077/B25103).
Proposition 13: base levy capped at 1% of assessed value (plus voter-approved debt); assessed (factored base-year) value grows at most 2%/yr; reassessment to market value only on change of ownership or new construction - a calculator must model tenure/purchase year, not current market value alone.
Source: state source cited in the research (see hub).
The CFPB puts typical buyer closing costs at 2–5% of the loan (origination, appraisal, title, prepaid escrows). The default here is 3% and the field is yours to change — no official schedule exists, and this page will not pretend one does. California transfer/recording charges sit inside that range for most purchases.
Source: Consumer Financial Protection Bureau, closing-cost guidance.
Property tax. At 0.72%, California adds $462 a month on the median home — in the highest-tax states that rivals a full percentage point of interest rate.
No — it is the state's median effective rate applied to your price. Assessments, exemptions (homestead and others) and local rates move real bills both ways; the county assessor's figure governs.
Below 20% down, lenders usually add private mortgage insurance (roughly 0.3–1.5% of the loan per year) until you reach ~20% equity. It is not in the default total — add it to the insurance line mentally if it applies.
California Mortgage Calculator with the costs other calculators skip: on the California median home ($770,700, ACS 2025), $4,488 a month — $3,897 principal & interest, $462 property tax at the state's 0.72% effective rate, plus closing costs of about $18,497.
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A mortgage calculator for California that includes California property tax and a closing-cost estimate alongside principal and interest.
On the median California home ($770,700): $4,488 a month, of which $462 is property tax.
The state's median tax bill is $5,537 a year (ACS 2025).
An effective 0.72% of value at the ACS medians — $5,537 a year on the median home.
No — they are one-time costs at closing, shown separately.
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