San Diego, CA Mortgage Calculator
Estimate your monthly mortgage payment in San Diego including property taxes, homeowners insurance, PMI, and 2026 loan limits.
Local Home Values & Affordability
With a median home value of $890,000, San Diego is 187% 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 San Diego home requires $178,000 in cash — or $31,150 for an FHA-minimum 3.5% down payment. Buyers with less than 20% down will also need to budget for PMI or FHA MIP.
San Diego County's $890,000 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
San Diego County has one of the lowest property tax rates in our dataset at 0.75% — 32% 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 0.75% effective rate and a median home value of $890,000, a typical homeowner in San Diego County pays approximately $6,675 in annual property taxes — or $556 per month added to their mortgage payment.
Sources: Tax Foundation 2025
Homeowners Insurance Costs
Homeowners insurance in San Diego County runs approximately $1,500/year ($125/month), in line with the national average of $1,600.
Premium quotes in San Diego County typically range from $950 to $2,200 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 San Diego home ($890,000) with FHA's minimum 3.5% down would borrow $858,850 — well within the $1,104,000 elevated FHA limit for this county. FHA financing is a viable option for most buyers here.
San Diego County is designated a high-cost area by both FHFA and HUD, meaning local FHA and conforming limits are elevated above the national baseline. This expanded purchasing power is a meaningful benefit for buyers compared to most-of-the-country baseline markets.
With 20% down on a median-priced home, the loan amount of $712,000 stays $392,000 below the $1,104,000 conforming limit — giving buyers access to conventional Fannie/Freddie pricing without jumbo underwriting.
Sources: HUD ML 2025-23, FHFA 2026
Extra Monthly Payment
Estimated Monthly Payment
$5,276
Estimates are for educational purposes only and are not a loan offer or commitment to lend.
Loan Amount: $696,000
LTV: 0.01%
P&I Payment
$4,607
Total Interest
$962,577
over loan life
Payoff
30 yr
Closing Costs
$10,958–$20,455
est. range
Monthly Payment Breakdown
2026 Loan Limit Context
FHA Limit
$1,104,000
Conforming Limit
$1,104,000
Amortization Schedule
| Mo. | Payment | Principal | Interest | Balance | Total Interest |
|---|---|---|---|---|---|
| 1 | $4,607 | $576 | $4,031 | $695,424 | $4,031 |
| 2 | $4,607 | $579 | $4,028 | $694,844 | $8,059 |
| 3 | $4,607 | $583 | $4,024 | $694,262 | $12,083 |
| 4 | $4,607 | $586 | $4,021 | $693,675 | $16,104 |
| 5 | $4,607 | $590 | $4,018 | $693,086 | $20,121 |
| 6 | $4,607 | $593 | $4,014 | $692,493 | $24,136 |
| 7 | $4,607 | $596 | $4,011 | $691,896 | $28,146 |
| 8 | $4,607 | $600 | $4,007 | $691,296 | $32,153 |
| 9 | $4,607 | $603 | $4,004 | $690,693 | $36,157 |
| 10 | $4,607 | $607 | $4,000 | $690,086 | $40,158 |
| 11 | $4,607 | $610 | $3,997 | $689,476 | $44,154 |
| 12 | $4,607 | $614 | $3,993 | $688,862 | $48,147 |
2026 Loan Limits — San Diego County, CA
| Limit Type | 2026 Limit | Note |
|---|---|---|
| FHA Loan Limit (1-unit) | $1,006,250 | Max loan for FHA-insured mortgage |
| Conforming Loan Limit (1-unit) | $1,006,250 | Fannie Mae / Freddie Mac eligible |
Source: HUD / FHFA. Data as of 2025-01-15.
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