Sacramento Home Buying Calculator

Find out what your monthly payment would actually look like, or start with your budget and see how much home you can afford. Everything updates in real time.

Just adjust the home price, down payment, and interest rate to see your full estimated payment, including taxes, insurance, and PMI. All figures are based on Sacramento County averages.

Home Buyer Payment Estimator
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Your Purchase
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$500,000 Tap the amount to type a price, or drag the slider
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Note: PMI estimates may vary for non-standard down payment amounts.

Down Payment$15,000
Loan Amount$485,000
Loan Term30 years
Estimated Payment
Your monthly breakdown
Total
--
P&I
Tax
Insurance
PMI
Principal & Interest
Loan repayment
--
Property Tax
~1.1% · Sacramento County
--
Insurance
~0.35% annually
--
PMI Under 20% down
Drops at 20% equity
--
HOA Fees
Varies by community
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Total Monthly Payment
--
per month · estimated
Sacramento-Specific Notes

Property taxes here use Sacramento County's average effective rate of ~1.1%. Newer developments in Natomas, Elk Grove, or Folsom often carry Mello-Roos assessments that can add $200-$500+/mo on top of base taxes. Always ask about special assessments before making an offer.

Sacramento County reassesses property tax at the purchase price, so your actual tax bill will be based on what you pay.

Upfront Costs
Cash needed to close
Down Payment--
Est. Closing Costs (~2.5%)--
Reserves (2 mo PITI)--
Total Cash Recommended--
Full Comparison

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%
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Your Budget
What can you afford?
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Your Result
Maximum home price
You Could Afford Up To
--
based on your target payment
Down Payment--
Loan Amount--
P&I--
Property Tax--
Insurance--
PMI--
Est. Cash to Close --
Sacramento-Specific Notes

This estimate uses Sacramento County's average property tax rate of ~1.1%. Newer developments often carry Mello-Roos assessments that can add $200-$500+/mo. Factor that in if you're looking at Natomas, Elk Grove, Rancho Cordova, or Folsom.

For Reference
What's included in these estimates
30-year and 15-year fixed rate mortgage options
Property tax: ~1.1% annually (Sacramento County average)
Homeowner's insurance: ~0.35% of home value per year
PMI: ~0.85% for 3-3.5% down · ~0.75% for 5% · ~0.50% for 10%
PMI removed at 20% equity
Closing costs: ~2.5% of purchase price
Reserves: 2 months PITI
Not included: HOA fees ($200-$600+/mo in many Sacramento communities)
Not included: Mello-Roos assessments (common in newer developments)
FHA note: 1.75% upfront MIP not reflected here
3% conventional typically requires 740+ credit
All figures are estimates -- consult a licensed lender
Christina Fowler Sacramento Realtor® christina@avenuerealestate.com · DRE 02222725

This tool is for educational purposes only and does not constitute mortgage, financial, or legal advice.
Actual payments vary based on your credit score, loan type, lender, and local tax assessments.

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