San Francisco County, CA Mortgage Calculator
Estimate your monthly mortgage payment in San Francisco County with local property tax rates, homeowners insurance, and 2025 FHA and conforming loan limits.
Extra Monthly Payment
$
Estimated Monthly Payment
$8,001
Estimates are for educational purposes only and are not a loan offer or commitment to lend.
FHA Eligible
Loan Amount: $1,080,000
LTV: 0.01%
P&I Payment
$7,149
Total Interest
$1,493,653
over loan life
Payoff
30 yr
Closing Costs
$15,851–$29,589
est. range
Monthly Payment Breakdown
2025 Loan Limit Context
FHA Limit
$1,209,750
Conforming Limit
$1,209,750
Amortization Schedule
| Mo. | Payment | Principal | Interest | Balance | Total Interest |
|---|---|---|---|---|---|
| 1 | $7,149 | $894 | $6,255 | $1,079,106 | $6,255 |
| 2 | $7,149 | $899 | $6,250 | $1,078,207 | $12,505 |
| 3 | $7,149 | $904 | $6,245 | $1,077,302 | $18,749 |
| 4 | $7,149 | $910 | $6,239 | $1,076,393 | $24,989 |
| 5 | $7,149 | $915 | $6,234 | $1,075,478 | $31,223 |
| 6 | $7,149 | $920 | $6,229 | $1,074,558 | $37,452 |
| 7 | $7,149 | $926 | $6,223 | $1,073,632 | $43,675 |
| 8 | $7,149 | $931 | $6,218 | $1,072,701 | $49,893 |
| 9 | $7,149 | $936 | $6,213 | $1,071,765 | $56,106 |
| 10 | $7,149 | $942 | $6,207 | $1,070,823 | $62,313 |
| 11 | $7,149 | $947 | $6,202 | $1,069,876 | $68,515 |
| 12 | $7,149 | $953 | $6,196 | $1,068,923 | $74,712 |
Months 1–12 of 360
2025 Loan Limits — San Francisco County, CA
| Limit Type | 2025 Limit | Note |
|---|---|---|
| FHA Loan Limit (1-unit) | $1,209,750 | Max loan for FHA-insured mortgage |
| Conforming Loan Limit (1-unit) | $1,209,750 | Fannie Mae / Freddie Mac eligible |
Source: HUD / FHFA. Data as of 2025-01-15.
FAQ — San Francisco County Mortgage
What is the property tax rate in San Francisco County?
The effective property tax rate in San Francisco County is approximately 0.65%. This means a home worth $1,350,000 would have an estimated annual tax bill of about $8,775.
What is the 2025 FHA loan limit in San Francisco County?
The 2025 FHA loan limit for a single-family home in San Francisco County, CA is $1,209,750.
What is the conforming loan limit in San Francisco County?
The 2025 conforming loan limit in San Francisco County is $1,209,750. Loans above this amount are considered jumbo loans.