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San Diego Mortgage Calculator

What Will My Payment Be?

See your full monthly payment at this week’s rates, the cash you need to close, and how much home your income comfortably buys. Rates update from Freddie Mac every month (now 7.24% for a 30-year fixed, week of October 29, 2026).

Property tax in most of San Diego County is about 1.1–1.25% of the purchase price (Prop. 13’s 1% plus local bonds and assessments). Mello-Roos areas run higher.

Estimated monthly payment

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    Down payment—
    Est. closing costs (2.5%)—
    Cash to close—

    Get a buying plan from Jeff

    “Comfortable” keeps all debts at 36% of gross income; “stretch” uses 45%, near the top of what most lenders approve. Taxes 1.2% and insurance 0.25% of price are included.

    Comfortable price

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    Stretch price

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    See neighborhoods in my budget

    Estimates only, not a loan offer or financial advice. Rates are Freddie Mac’s weekly average (PMMS); your rate depends on credit, loan type and points. Jumbo threshold: FHFA 2026 San Diego County conforming limit, $1,104,000.

    Questions

    Common questions

    How much is the monthly payment on a $1 million home in San Diego?
    With 20% down ($200,000) and a 30-year fixed rate, the loan is $800,000. Add property tax (about 1.1–1.25% of the price per year in most of San Diego County), insurance and any HOA. Use the calculator above with today’s rate for the exact figure.
    What is the conforming loan limit in San Diego County?
    For 2026, the one-unit conforming limit in San Diego County is $1,104,000. Loans above that are jumbo loans, which usually need a larger down payment and stronger credit.
    How much are closing costs for a buyer in San Diego?
    Plan on roughly 2–3% of the price for lender fees, title, escrow and prepaid taxes and insurance. Your lender’s Loan Estimate gives the exact number.
    How much income do I need to buy a home in San Diego?
    Lenders usually want total monthly debts, including the new house payment, under about 43–45% of gross monthly income. The affordability tab shows a comfortable and a stretch price for your income.
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    Get in touch with Jeff

    Questions about your neighborhood or your home’s value? Ask Jeff.

    Prefer to talk? Call or text (858) 324-4448 or email jeffbrick@gmail.com.

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