San Diego County Mortgage Calculator
On the San Diego County median home price of $792,000, a 20%-down, 30-year loan at today's 6.47% rate runs about $4,589/month — $3,992 principal & interest, $462 property tax at San Diego County's 0.7% effective rate, and $135 homeowners insurance. That is the same as the California state-average tax rate would cost on the same home. Enter your own price and down payment below.
$4,589 /mo
P&I: $3,992 · Tax: $462 · Insurance: $135
Loan amount: $633,600 · Total interest: $803,625
Yearly amortization schedule
| Year | Interest | Principal | PMI | Balance |
|---|---|---|---|---|
| 1 | $40,785 | $7,122 | — | $626,478 |
| 2 | $40,310 | $7,597 | — | $618,881 |
| 3 | $39,804 | $8,103 | — | $610,777 |
| 4 | $39,264 | $8,644 | — | $602,134 |
| 5 | $38,688 | $9,220 | — | $592,914 |
| 6 | $38,073 | $9,834 | — | $583,080 |
| 7 | $37,418 | $10,490 | — | $572,590 |
| 8 | $36,719 | $11,189 | — | $561,401 |
| 9 | $35,973 | $11,935 | — | $549,467 |
| 10 | $35,177 | $12,730 | — | $536,737 |
| 11 | $34,329 | $13,579 | — | $523,158 |
| 12 | $33,424 | $14,484 | — | $508,674 |
| 13 | $32,458 | $15,449 | — | $493,225 |
| 14 | $31,429 | $16,479 | — | $476,747 |
| 15 | $30,330 | $17,577 | — | $459,170 |
| 16 | $29,159 | $18,749 | — | $440,421 |
| 17 | $27,909 | $19,998 | — | $420,422 |
| 18 | $26,576 | $21,331 | — | $399,091 |
| 19 | $25,154 | $22,753 | — | $376,338 |
| 20 | $23,638 | $24,270 | — | $352,068 |
| 21 | $22,020 | $25,887 | — | $326,181 |
| 22 | $20,295 | $27,613 | — | $298,568 |
| 23 | $18,454 | $29,453 | — | $269,114 |
| 24 | $16,491 | $31,417 | — | $237,698 |
| 25 | $14,397 | $33,511 | — | $204,187 |
| 26 | $12,163 | $35,744 | — | $168,443 |
| 27 | $9,781 | $38,127 | — | $130,316 |
| 28 | $7,240 | $40,668 | — | $89,649 |
| 29 | $4,529 | $43,379 | — | $46,270 |
| 30 | $1,638 | $46,270 | — | $0 |
Rates: Freddie Mac PMMS (wk 2026-06-18). Property tax: Tax Foundation. Insurance: Insurance.com. PMI applies when your down payment is under 20% (LTV > 80%). You can request cancellation at 80% LTV; the servicer must auto-terminate it at 78% (Homeowners Protection Act). How we calculate →
Monthly payment breakdown for a San Diego County home
At the San Diego County median home price of $792,000, a conventional 30-year loan at 6.47% with 20% down splits into: $3,992 principal & interest, $462 property tax, and $135 homeowners insurance — a total PITI of $4,589/month.
The property tax line uses San Diego County's real effective rate of 0.7% (median tax bill of $5,542 on a median home value of $791,600, US Census ACS), not a generic national average — so this figure reflects what San Diego County actually charges, before any local exemption.
San Diego County vs the California state average property tax rate
San Diego County's 0.7% effective property tax rate is in line with California's 0.7% state average. On the same $792,000 home, that difference works out to no change in the tax line of the mortgage payment compared with paying the California average rate instead of San Diego County's.
Property tax is set locally — by the county, city and school district — so the state average is only a rough guide. Two otherwise identical California homes in different counties can carry meaningfully different monthly payments purely because of where the tax rate lands.
What the San Diego County median buys vs a $400,000 national budget
A $400,000 home taxed at San Diego County's 0.7% rate and insured at California's average would run about $2,384/month — $2,205 less than the San Diego County county median payment of $4,589/month, since San Diego County's median home price ($792,000) is $392,000 above the $400,000 reference used elsewhere on this site.
In other words, price — not tax rate — usually drives the biggest gap between a San Diego County payment and a generic national estimate. Use the calculator above to swap in your own target price.
PMI in San Diego County if you put down less than 20%
Putting 10% down instead of 20% on the same $792,000 San Diego County home adds private mortgage insurance (PMI) of about $475/month, bringing the total payment to roughly $5,563/month instead of $4,589. PMI is required on conventional loans below 20% down and cancels automatically once your loan balance reaches 78% of the original price.
San Diego County mortgage — frequently asked questions
How much is a mortgage payment in San Diego County?
On the San Diego County median home price of $792,000, a 20%-down 30-year loan at 6.47% runs about $4,589/month total (principal, interest, property tax and insurance).
What is the property tax on the median home in San Diego County?
San Diego County's effective property tax rate is 0.7%, which works out to about $462/month ($5,544/year) on the $792,000 county median home value.
How does San Diego County property tax compare to the rest of California?
San Diego County's 0.7% effective rate is in line with the California state average of 0.7%, a difference of about $0/month on a $792,000 home.
What income do I need to afford a home in San Diego County?
Using the common 28%-of-gross-income guideline against the $4,589/month PITI payment on the San Diego County median home, that implies a gross annual income of roughly $196,670.
How much does PMI cost in San Diego County with less than 20% down?
Putting 10% down on the $792,000 San Diego County median home adds about $475/month in PMI, for a total payment near $5,563/month instead of $4,589.
What's included in a San Diego County mortgage payment?
PITI: principal and interest together $3,992, property tax $462 at San Diego County's 0.7% rate, and homeowners insurance $135 at the California state average — no HOA dues assumed unless you add them above.
More California counties in this pilot
California mortgage calculator · San Diego County property tax deep-dive — the full county-by-county property tax breakdown behind this payment estimate.
Mortgage calculators in other pilot counties
Researched & verified by the Calcuris Data & Research Team. How we build and check our tools →