Sacramento County, CA Mortgage Calculator
Estimate your monthly mortgage payment in Sacramento County with local property tax rates, homeowners insurance, and 2026 FHA and conforming loan limits.
Local Home Values & Affordability
With a median home value of $470,000, Sacramento County is 52% above the national median of $310,000 — placing it firmly in premium territory where careful loan-type selection matters.
A 20% down payment on a median Sacramento County home requires $94,000 in cash — or $16,450 for an FHA-minimum 3.5% down payment. Buyers with less than 20% down will also need to budget for PMI or FHA MIP.
Sacramento County's $470,000 median sits between Kern County ($340,000) and San Francisco County ($1,350,000) within the California counties we track.
Property Tax in This Market
Sacramento County has one of the lowest property tax rates in our dataset at 0.76% — 31% below the national average of 1.10%. This keeps monthly PITI payments notably lower than in high-tax markets with comparable home values.
Based on the 0.76% effective rate and a median home value of $470,000, a typical homeowner in Sacramento County pays approximately $3,572 in annual property taxes — or $298 per month added to their mortgage payment.
Sources: Tax Foundation 2025
Homeowners Insurance Costs
Homeowners insurance in Sacramento County runs approximately $1,200/year ($100/month), in line with the national average of $1,600.
Premium quotes in Sacramento County typically range from $800 to $1,800 per year depending on home age, construction type, coverage limits, and your insurer. Always get multiple quotes.
Sources: NAIC 2024
Loan Limits & Financing Options
A buyer purchasing the median Sacramento County home ($470,000) with FHA's minimum 3.5% down would borrow $453,550 — well within the $654,650 baseline FHA limit for this county. FHA financing is a viable option for most buyers here.
With 20% down on a median-priced home, the loan amount of $376,000 stays $456,750 below the $832,750 conforming limit — giving buyers access to conventional Fannie/Freddie pricing without jumbo underwriting.
All FHA loans require an upfront mortgage insurance premium (UFMIP) of 1.75% of the loan amount, plus an annual MIP of 0.55%–0.75% of the loan balance paid monthly. On a $453,550 FHA loan, expect approximately $208/month in ongoing MIP — added to principal, interest, taxes, and insurance.
Sources: HUD ML 2025-23, FHFA 2026, HUD MIP Rates 2023
Extra Monthly Payment
Estimated Monthly Payment
$2,887
Estimates are for educational purposes only and are not a loan offer or commitment to lend.
Loan Amount: $376,000
LTV: 0.01%
P&I Payment
$2,489
Total Interest
$520,013
over loan life
Payoff
30 yr
Closing Costs
$6,368–$11,887
est. range
Monthly Payment Breakdown
2026 Loan Limit Context
FHA Limit
$654,650
Conforming Limit
$832,750
Amortization Schedule
| Mo. | Payment | Principal | Interest | Balance | Total Interest |
|---|---|---|---|---|---|
| 1 | $2,489 | $311 | $2,178 | $375,689 | $2,178 |
| 2 | $2,489 | $313 | $2,176 | $375,376 | $4,354 |
| 3 | $2,489 | $315 | $2,174 | $375,061 | $6,528 |
| 4 | $2,489 | $317 | $2,172 | $374,744 | $8,700 |
| 5 | $2,489 | $319 | $2,170 | $374,426 | $10,870 |
| 6 | $2,489 | $320 | $2,169 | $374,105 | $13,039 |
| 7 | $2,489 | $322 | $2,167 | $373,783 | $15,205 |
| 8 | $2,489 | $324 | $2,165 | $373,459 | $17,370 |
| 9 | $2,489 | $326 | $2,163 | $373,133 | $19,533 |
| 10 | $2,489 | $328 | $2,161 | $372,805 | $21,694 |
| 11 | $2,489 | $330 | $2,159 | $372,475 | $23,853 |
| 12 | $2,489 | $332 | $2,157 | $372,144 | $26,011 |
2026 Loan Limits — Sacramento County, CA
| Limit Type | 2026 Limit | Note |
|---|---|---|
| FHA Loan Limit (1-unit) | $633,950 | 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.
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