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Sotheby’s Int’l Realty

The Raudelunas Group

Sacramento mortgage calculator

A realistic monthly payment estimate for a Sacramento-area home — including California property tax, insurance, PMI, and HOA. Adjust the numbers to match your situation.

$750,000
$
20% · $150,000
%
6.5%
%
30 years
1.1%
%
$1,800
$
$0
$

Estimated Monthly Payment

$4,630

Principal & interest$3,792
Property tax$688
Homeowners insurance$150
Loan amount $600,000 · 20% down. Estimate only — actual payment depends on your lender, credit, and final terms.
Get a real quote from Sara’s lender

How this estimate works

Your monthly payment is made up of four main parts, often called PITI: principal, interest, taxes, and insurance. This calculator adds two more that matter in the Sacramento region — PMI (private mortgage insurance, which applies when your down payment is under 20%) and HOA dues where they exist.

A note on California property taxes

California’s effective property tax rate runs close to 1.1% of assessed value in most Sacramento, Placer, and El Dorado County areas, though Mello-Roos assessments in some newer communities (Folsom Ranch, parts of El Dorado Hills, Twelve Bridges) can push the effective rate higher. If you’re shopping a specific neighborhood, ask Sara for the real tax picture before you budget.

This is an estimate, not a quote

Your actual rate and payment depend on your credit, loan program, down payment, and the lender you choose. When you’re ready for real numbers, Sara can connect you with a trusted local lender who will give you an accurate pre-approval — not a teaser rate.