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.

Tell us about your budget

Your entries stay in this browser unless you choose to share them below.

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: 7.000% rate · 7.000% APRGolden 1 Credit Union · 30-year fixed conforming purchase · -0.250 pointsSelected by lowest APR among current monitored examples; no paid ranking. Verified Oct 12, 2026, 5:05 PM PDT · View lender source

Your planning range

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

Comfortable estimate$530,000Uses a 28% housing / 36% total-debt planning limit.

Upper planning limit$643,000Uses a 35% housing / 43% total-debt planning limit.

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

Estimated monthly housing cost$3,717

Principal & interest: $2,927
Property taxes: $521
Homeowners insurance: $167
Estimated mortgage insurance: $103
HOA dues: $0

Loan amount$440,000

Down payment12.0%

Est. total DTI29.8%

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.