Bakersfield, CA Mortgage Calculator
Estimate your monthly mortgage payment in Bakersfield including property taxes, homeowners insurance, PMI, and 2025 loan limits.
Extra Monthly Payment
$
Estimated Monthly Payment
$2,127
Estimates are for educational purposes only and are not a loan offer or commitment to lend.
FHA Eligible
Loan Amount: $272,000
LTV: 0.01%
P&I Payment
$1,800
Total Interest
$376,179
over loan life
Payoff
30 yr
Closing Costs
$4,877–$9,103
est. range
Monthly Payment Breakdown
2025 Loan Limit Context
FHA Limit
$524,225
Conforming Limit
$806,500
Amortization Schedule
| Mo. | Payment | Principal | Interest | Balance | Total Interest |
|---|---|---|---|---|---|
| 1 | $1,801 | $225 | $1,575 | $271,775 | $1,575 |
| 2 | $1,801 | $226 | $1,574 | $271,548 | $3,149 |
| 3 | $1,801 | $228 | $1,573 | $271,321 | $4,722 |
| 4 | $1,801 | $229 | $1,571 | $271,091 | $6,293 |
| 5 | $1,801 | $230 | $1,570 | $270,861 | $7,864 |
| 6 | $1,801 | $232 | $1,569 | $270,629 | $9,432 |
| 7 | $1,801 | $233 | $1,567 | $270,396 | $11,000 |
| 8 | $1,801 | $234 | $1,566 | $270,162 | $12,566 |
| 9 | $1,801 | $236 | $1,565 | $269,926 | $14,130 |
| 10 | $1,801 | $237 | $1,563 | $269,689 | $15,694 |
| 11 | $1,801 | $239 | $1,562 | $269,450 | $17,256 |
| 12 | $1,801 | $240 | $1,561 | $269,210 | $18,816 |
Months 1–12 of 360
2025 Loan Limits — Kern County, CA
| Limit Type | 2025 Limit | Note |
|---|---|---|
| FHA Loan Limit (1-unit) | $524,225 | Max loan for FHA-insured mortgage |
| Conforming Loan Limit (1-unit) | $806,500 | Fannie Mae / Freddie Mac eligible |
Source: HUD / FHFA. Data as of 2025-01-15.
FAQ — Bakersfield Mortgage
What is the average mortgage payment in Bakersfield?
Based on the median home value of $340,000 in Bakersfield, a 30-year conventional loan with 20% down at current illustrative rates would result in an estimated P&I payment. Add local property taxes and insurance for a full PITI estimate.
What is the 2025 FHA loan limit in Bakersfield?
The 2025 FHA loan limit for Bakersfield (Kern County) is $524,225.
What is the conforming loan limit in Bakersfield?
The 2025 conforming loan limit for Bakersfield is $806,500. Loans above this are considered jumbo.