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MV
Specialty market

Buying a home in California

Conforming, jumbo, FHA, VA, and DSCR. Strong investor coverage in the Bay Area, LA, and San Diego.

On a $500,000 home in CA

Statewide averages
Property tax
$296/mo
0.71% effective rate
Home insurance
$108/mo
$1,300/yr typical
Tax + insurance
$404/mo
added to your P&I

Run your numbers for CA

The SnugRate calculators auto-default to California's tax + insurance averages. Override any field at any time.

Mortgage payment

Full PITI with CA's averages prefilled.

Affordability

How much house your income qualifies for in CA.

Property tax detail

Assessment, exemptions, effective rate.

What this estimate doesn't cover

  • County, city, and special-district taxes can add 0.1%–1% on top of the statewide average. Use the property tax calculator with your specific assessment for an accurate figure.
  • Hazard insurance varies a lot by hazard zone (wildfire in CA, hurricane in FL, hail in TX). The number above is a broad statewide average.
  • HOA dues, mortgage insurance (PMI), and special assessments aren't included.
← All state guidesSource: Tax Foundation 2024 + industry averages