Riverside County, CA Mortgage Calculator
Estimate your monthly mortgage payment in Riverside County with local property tax rates, homeowners insurance, and 2025 FHA and conforming loan limits.
Extra Monthly Payment
$
Estimated Monthly Payment
$3,281
Estimates are for educational purposes only and are not a loan offer or commitment to lend.
FHA Eligible
Loan Amount: $424,000
LTV: 0.01%
P&I Payment
$2,807
Total Interest
$586,397
over loan life
Payoff
30 yr
Closing Costs
$7,057–$13,173
est. range
Monthly Payment Breakdown
2025 Loan Limit Context
FHA Limit
$644,000
Conforming Limit
$806,500
Amortization Schedule
| Mo. | Payment | Principal | Interest | Balance | Total Interest |
|---|---|---|---|---|---|
| 1 | $2,807 | $351 | $2,456 | $423,649 | $2,456 |
| 2 | $2,807 | $353 | $2,454 | $423,296 | $4,909 |
| 3 | $2,807 | $355 | $2,452 | $422,941 | $7,361 |
| 4 | $2,807 | $357 | $2,450 | $422,584 | $9,810 |
| 5 | $2,807 | $359 | $2,447 | $422,225 | $12,258 |
| 6 | $2,807 | $361 | $2,445 | $421,863 | $14,703 |
| 7 | $2,807 | $363 | $2,443 | $421,500 | $17,147 |
| 8 | $2,807 | $365 | $2,441 | $421,134 | $19,588 |
| 9 | $2,807 | $368 | $2,439 | $420,767 | $22,027 |
| 10 | $2,807 | $370 | $2,437 | $420,397 | $24,464 |
| 11 | $2,807 | $372 | $2,435 | $420,025 | $26,899 |
| 12 | $2,807 | $374 | $2,433 | $419,651 | $29,331 |
Months 1–12 of 360
2025 Loan Limits — Riverside County, CA
| Limit Type | 2025 Limit | Note |
|---|---|---|
| FHA Loan Limit (1-unit) | $644,000 | 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 — Riverside County Mortgage
What is the property tax rate in Riverside County?
The effective property tax rate in Riverside County is approximately 0.82%. This means a home worth $530,000 would have an estimated annual tax bill of about $4,346.
What is the 2025 FHA loan limit in Riverside County?
The 2025 FHA loan limit for a single-family home in Riverside County, CA is $644,000.
What is the conforming loan limit in Riverside County?
The 2025 conforming loan limit in Riverside County is $806,500. Loans above this amount are considered jumbo loans.