Sacramento County, California Mortgage Calculator - Monthly Payment with Taxes, PMI & Insurance

Sacramento County overrides the California state baseline with a BOE-style countywide ad valorem property tax planning rate of 1.068% of net taxable assessed value. City of Sacramento adds a separate real property transfer tax at closing.

Loan Details

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$70,000 · LTV 80%

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Loan Term

Buyer Profile

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Extra Payment
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Optional principal-only payment used to estimate payoff speed and interest savings.

Monthly Payment

$2,200

$1,770 Principal & Interest · $305 Property Taxes · $125 Other

Principal & Interest
$1,770/mo
Property Taxes
$305/mo
Total Interest
$357,125
Loan Amount
$280,000
Total Cost
$637,125
Est. annual tax
$3,663 · 1.05%
$2,200/month
Principal & Interest$1,769.79/mo
Property Taxes$305.27/mo
Home Insurance$125.00/mo
Property Tax Breakdown
California Property Tax Estimate$3,663/yr
Est. annual tax$3,663 · 1.05%
Exemptions Applied
✓California Homeowners' Exemption
$75/yr
Sacramento County overrides the California state baseline with a BOE-style countywide ad valorem property tax planning rate of 1.068% of net taxable assessed value. City of Sacramento adds a separate real property transfer tax at closing.

Methodology and limitations

Last reviewed:

Methodology

Uses standard principal-and-interest mortgage math, then models housing-cost inputs such as tax, insurance, PMI, and extra-payment scenarios where available.

Limitations

Planning estimate only. Actual approval, escrow, PMI, fees, taxes, insurance, and closing disclosures depend on lender, property, borrower profile, and local rules.

Official sources

Sacramento County, California Mortgage Calculator - Monthly Payment with Taxes, PMI & Insurance

California

Sacramento County overrides the California state baseline with a BOE-style countywide ad valorem property tax planning rate of 1.068% of net taxable assessed value. City of Sacramento adds a separate real property transfer tax at closing.

Use this mortgage calculator for Sacramento County, California to estimate the monthly payment with principal, interest, configured annual taxes, eligible exemptions, and assistance programs when the buyer profile matches the conditions.

What This Estimate Uses

  • Geographic level: county
  • Configured property tax rate: 1.07%
  • Configured benefits or exemptions: 3
  • Reviewed sources: 4

What Changes in Sacramento County, California

  • Data level used: county. This page uses the most specific available data layer for Sacramento County, California.
  • Configured combined annual property tax rate: 1.07% before exemptions and buyer-specific conditions are applied.
  • Configured down payment assistance programs: CalHFA MyHome Conventional Assistance.

Local Tax Assumptions

These are the annual tax assumptions configured for this page. The calculator applies them to the appropriate value, then accounts for exemptions or conditions when the buyer selects them.

  • California Property Tax Estimate - 1.068%

Programs and Exemptions Included

These benefits do not mean automatic approval. The calculator models them when the buyer inputs match the configured eligibility conditions.

  • California Homeowners' Exemption - $7,000 (requires: primary residence)
  • CalHFA MyHome Conventional Assistance - 3% of sale price (requires: first-time buyer, primary residence, income is below the program cap)
  • Mortgage Credit Certificate (MCC) - 20% of mortgage interest (requires: first-time buyer, primary residence, buyer has a Mortgage Credit Certificate)

When This Estimate Can Change

  • The actual property tax bill depends on the address, overlapping taxing jurisdictions, approved exemptions, and appraised value.
  • Home insurance, flood insurance, HOA dues, and PMI can vary by property, lender, and buyer profile.
  • Configured closing costs include California County Documentary Transfer Tax, but other settlement charges may appear on a real loan estimate.

Local Data and Sources

Last editorial verification: May 3, 2026. This page combines the official data layers configured for Sacramento County, California.

The sources used on this page are Consumer Financial Protection Bureau mortgage cost guidance, California Board of Equalization annual reports, California BOE homeowners' exemption, CalHFA MyHome Assistance Program. Each source lists which rate, exemption, or program it validates and when it was last reviewed.

Frequently Asked Questions

What property tax rate should California buyers expect?

California's base ad valorem property tax is commonly modeled at 1% of taxable assessed value under Proposition 13. Voter-approved debt, Mello-Roos, parcel taxes, and direct assessments can make the actual bill higher.

How does the California homeowners' exemption work?

A qualifying owner-occupied primary residence can receive a $7,000 reduction in taxable assessed value after filing with the county assessor.

Does California charge a mortgage recording tax?

California does not use a New York-style mortgage recording tax. The statewide closing-tax estimate here models the county documentary transfer tax on real property transfers; some cities add their own transfer tax.

Does Sacramento County add its own transfer tax?

Sacramento County uses California's county documentary transfer tax baseline. The City of Sacramento imposes an additional city transfer tax of $2.75 per $1,000 of value on transfers within city limits.

Does this mortgage calculator include taxes and insurance?

Yes. This calculator estimates your full monthly housing payment by combining principal and interest with property taxes, homeowners insurance, and PMI when your down payment is below 20%. The result reflects a PITI-style payment rather than principal and interest alone, which helps you compare homes and loan scenarios more realistically before talking to a lender.