San Francisco, CA variant. This is a San Francisco, 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.
San Francisco's $1,335,000 median home and 0.62% property tax make for a distinctive mortgage payment. High-cost metros front-load the principal-and-interest portion.
Mortgage payment in San Francisco
On the $1,335,000 median home with 20% down ($267,000), you'd finance $1,068,000. At 6.5% over 30 years, P&I ≈ $6,750/month.
Add San Francisco's 0.62% property tax (≈ $690/month) plus insurance for the all-in payment.
About San Francisco, CA
San Francisco does not levy a personal city income tax on wages, though residents pay California state income tax, among the highest in the nation.
San Francisco is one of the most expensive housing markets in the United States, with very high home prices and rents.
San Francisco's economy is dominated by the technology sector and finance, which drive its exceptionally high cost of living.
Worked example: $1,335,000 San Francisco home
Loan $1,068,000 at 6.5% for 30 years → $6,750/mo P&I. Property tax ≈ $690/mo. Total before insurance ≈ $7,440/mo.
Quick reference
- Median home value: $1,335,000
- Median rent: $3,550/mo
- Median household income: $136,689
- Local sales tax: 8.625%
- Effective property tax rate: 0.62%
- Cost of living index: 244 (US avg = 100)
Frequently Asked Questions
How much is a mortgage in San Francisco?
About $6,750/month P&I on the $1,335,000 median home with 20% down at 6.5%.
What is the property tax rate in San Francisco?
About 0.62% of home value per year.