Mortgage Payment Guide · California
Mortgage Payment Estimates for California by Home Price
The true monthly payment on a home is rarely what lenders quote upfront. Below are the full PITI estimates — principal, interest, property tax, and insurance — for eight home prices in California, at both 20% and 10% down. Pick a price to see the complete breakdown, income requirements, and 15- vs. 30-year comparison.
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| Home Price | PITI (20% down) | PITI (10% down) | Details |
|---|---|---|---|
| $200,000 | $1,252/mo | $1,505/mo | Full breakdown → |
| $250,000 | $1,532/mo | $1,847/mo | Full breakdown → |
| $300,000 | $1,811/mo | $2,190/mo | Full breakdown → |
| $350,000 | $2,090/mo | $2,532/mo | Full breakdown → |
| $400,000 | $2,370/mo | $2,875/mo | Full breakdown → |
| $500,000 | $2,928/mo | $3,560/mo | Full breakdown → |
| $600,000 | $3,487/mo | $4,245/mo | Full breakdown → |
| $750,000 | $4,325/mo | $5,272/mo | Full breakdown → |
Rate: 6.4% (Freddie Mac Primary Mortgage Market Survey). Property tax: 0.7% effective rate (Tax Foundation Property Taxes by State 2024). Insurance: $1,616/yr (Insurance.com Rate Analysis 2026).