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Planning to buy a home in San Francisco? Use this free mortgage calculator to estimate your monthly payment based on San Francisco's current real estate market. With an average home price of around $1,200,000, buyers in San Francisco, CA typically need to factor in property taxes, insurance, and a competitive down payment.
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San Francisco Tip: In San Francisco, most buyers target a down payment of 10–20% on a home priced near $1,200,000. At that price with a 20% down payment and today's rates, your principal and interest payment would be in the range shown above. Use the fields to adjust for your specific situation.

How to Use This Mortgage Calculator for San Francisco

Enter your home price, down payment, loan term, and interest rate to instantly see your principal and interest (P&I) payment. The fields above are pre-filled with San Francisco's approximate median home price — adjust them to match your specific situation.

Mortgage Rates in San Francisco, CA

Mortgage rates in San Francisco generally track the national average set by 30-year Treasury yields and Federal Reserve policy. CA state-specific property taxes and insurance costs vary by county, so always get local quotes. The property tax field above lets you include those costs in your monthly total.

How Much House Can You Afford in San Francisco?

The 28/36 rule is a useful guideline: your mortgage payment should not exceed 28% of gross monthly income, and total debt payments should not exceed 36%. Use the results above to check whether a specific San Francisco home price stays within that range for your income.

30-Year vs 15-Year Mortgage in San Francisco

A 30-year mortgage keeps monthly payments lower — important in a higher-cost market like San Francisco. A 15-year mortgage saves significantly on total interest. Run both scenarios using the Loan Term dropdown above to compare the long-term cost difference for San Francisco home prices.

First-Time Buyer Programs in CA

CA offers first-time homebuyer assistance programs through the state housing authority, including down payment grants and below-market rate mortgages. Check with a San Francisco-area HUD-approved housing counselor for programs you may qualify for.