San Jose, California Mortgage Calculator - Monthly Payment with Taxes, PMI & Insurance

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. Use this state mortgage calculator to combine that assumption with principal, interest, insurance, and PMI, then drill into county or city pages when you have a specific address.

A qualifying owner-occupied primary residence can receive a $7,000 reduction in taxable assessed value after filing with the county assessor. Use this state mortgage calculator to combine that assumption with principal, interest, insurance, and PMI, then drill into county or city pages when you have a specific address.

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. Use this state mortgage calculator to combine that assumption with principal, interest, insurance, and PMI, then drill into county or city pages when you have a specific address.

With 20% down at 6.5% for 30 years, principal and interest are about $2,023. At ~1.00% statewide property-tax planning rate, monthly escrow is about $333; with $100 insurance, estimated PITI is about $2,456 without PMI. Drill into county or city calculators for address-level millage.

The countywide average reflects local voter-approved ad valorem levies on top of California's 1% base. A specific home's bill still depends on the tax-rate area and direct charges. Use this county mortgage calculator to combine that local assumption with principal, interest, insurance, and PMI so your monthly PITI estimate is closer to a full housing payment before you talk to a lender.

Santa Clara County uses a local planning benchmark of about 1.19% on this page. On a $400,000 home that is roughly $4,772 per year or $398 per month in escrow before exemptions or special districts. Parcel bills can still differ—verify the levy code on the address you are buying.

With 20% down at 6.5% for 30 years, principal and interest are about $2,023. At ~1.19% property tax, monthly escrow is about $398; with $100 insurance, estimated PITI is about $2,521 without PMI. Enter your real price and down payment above to resize the estimate, including PMI if you put less than 20% down.

California's 1% Prop 13 levy is only the general base. Santa Clara County's ~1.19% BOE-style planning average includes voter-approved debt and other ad valorem layers, while parcel bills can add direct assessments. Confirm the parcel before locking escrow. Use this county mortgage calculator to combine that local assumption with principal, interest, insurance, and PMI so your monthly PITI estimate is closer to a full housing payment before you talk to a lender.

San Jose's real property conveyance tax is modeled at $3.30 per $1,000 of full value, or 0.33% of the sale price, for transfers inside city limits. On a $400,000 purchase that is about $1,320 at closing on top of county documentary transfer tax and other fees—confirm current rates with the city before final numbers.

This page uses Santa Clara County's BOE-style ad valorem benchmark of about 1.193% of taxable assessed value. On $400,000 that is roughly $4,772 per year or $398 per month before direct assessments. Proposition 13 still caps the base 1% levy; voter-approved debt raises the effective rate.

With 20% down at 6.5% for 30 years, P&I is about $2,023. At ~1.193% property tax, escrow is about $398/month; with $100 insurance, estimated PITI is about $2,521 without PMI. Many San Jose purchases exceed $400,000, which scales payment and escrow accordingly.