Sacramento, CA variant. This is a Sacramento, CA-specific version of the Mortgage Calculator, using pre-defined local figures (tax rates, median home and income values, and typical regional costs). For the full formula, methodology, and FAQ, open the main Mortgage Calculator.
Sacramento's $535,000 median home and 0.79% property tax make for a distinctive mortgage payment. High-cost metros front-load the principal-and-interest portion.
Mortgage payment in Sacramento
On the $535,000 median home with 20% down ($107,000), you'd finance $428,000. At 6.5% over 30 years, P&I ≈ $2,705/month.
Add Sacramento's 0.79% property tax (≈ $352/month) plus insurance for the all-in payment.
About Sacramento, CA
Sacramento is subject to California's state income and sales taxes.
Sacramento's housing market is expensive by national standards, though more accessible than the Bay Area.
Sacramento is California's state capital, and government is a major employer; its cost of living runs well above the national average.
Worked example: $535,000 Sacramento home
Loan $428,000 at 6.5% for 30 years → $2,705/mo P&I. Property tax ≈ $352/mo. Total before insurance ≈ $3,057/mo.
Quick reference
- Median home value: $535,000
- Median rent: $2,050/mo
- Median household income: $75,852
- Local sales tax: 8.75%
- Effective property tax rate: 0.79%
- Cost of living index: 119 (US avg = 100)
Frequently Asked Questions
How much is a mortgage in Sacramento?
About $2,705/month P&I on the $535,000 median home with 20% down at 6.5%.
What is the property tax rate in Sacramento?
About 0.79% of home value per year.