California affordability calculator

See what home price may fit your budget.

Explore a comfortable range, monthly housing costs, and estimated cash needed. Change any assumption and see the result immediately.

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California ZIP codeUsing Sacramento and foothills region tax and buyer closing-cost estimates.Annual household income$Down payment available$Monthly debt payments$Estimated credit scorePlanning interest rate%

Adjust taxes, insurance, HOA, and closing costs

Property tax estimate per year%Home insurance per year%Monthly HOA dues$Estimated buyer closing costs%

ZIP-based values are regional planning estimates. An exact property tax rate requires the property's tax-rate area; final closing costs come from the lender's Loan Estimate.

Rate starting point: 7.125% rate · 7.125% APRGolden 1 Credit Union · 30-year fixed conforming purchase · -0.125 pointsSelected by lowest APR among current monitored examples; no paid ranking. Verified Oct 4, 2026, 11:05 AM PDT · View lender source

Your planning range

This is a budget estimate, not a preapproval or lending decision.

Comfortable estimate$525,000Uses a 28% housing / 36% total-debt planning limit.

Upper planning limit$637,000Uses a 35% housing / 43% total-debt planning limit.

Explore a home price$500,000This price is within your comfortable estimate.

Estimated monthly housing cost$3,755

Principal & interest: $2,964
Property taxes: $521
Homeowners insurance: $167
Estimated mortgage insurance: $103
HOA dues: $0

Loan amount$440,000

Down payment12.0%

Est. total DTI30.0%

Cash needed$75,000Includes $15,000 closing costs

What this estimate includes

A 30-year fixed payment, ZIP-adjusted regional property taxes and buyer closing costs, homeowners insurance, loan-to-value and credit-adjusted mortgage insurance when the down payment is below 20%, and HOA dues you enter. It excludes utilities, maintenance, special assessments, discount points, and lender-specific fees.

The principal-and-interest amount assumes 360 monthly payments at the planning interest rate shown above. When a lender benchmark is available, its APR and points are displayed with the rate. This calculator is not an offer of credit or a personalized loan quote.

Credit score does not change the displayed benchmark rate. It only adjusts our mortgage-insurance planning estimate. Actual pricing depends on lender underwriting, property, occupancy, ZIP, loan type, points, and market conditions. California insurance costs can vary substantially, especially in wildfire-risk areas.

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