Mortgage Calculator
California Mortgage Calculator
The true cost of owning a home in California includes property tax at 0.75%, homeowners insurance averaging $1,500/year, transfer tax, plus PMI if your down payment is under 20 percent.
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California charges a real estate transfer tax of about 0.110% of the sale price, typically paid by the seller.
State documentary transfer tax: $1.10 per $1,000 ($0.55 per $500). Counties and cities can add their own (Berkeley up to $25 per $1,000, San Francisco sliding 0.5%-3%, Los Angeles ULA tax 4-5.5% over $5M).
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Other West states
Same calculator, different numbers. Pick one to see how California's costs compare.