Not financial advice. Mortgage FV Calculator is a software calculator, not a personal-finance product or advisory service. It computes standard financial functions and displays the results for your convenience. Nothing here constitutes, or is intended to constitute, financial, investment, tax, legal, mortgage, credit, or insurance advice. Always consult a qualified professional before making any financial decision.
San Francisco mortgage calculator
A median-priced San Francisco, CA home at 6.75% over 30 years, with California property tax of 0.71% and $1,600 a year of homeowners insurance. Every figure below is computed on our amortising engine — nothing is estimated in the browser.
$10,069 a month, all in
Principal and interest are $8,477; escrow and PMI add the rest. Over the full term the loan costs $1,744,817 in interest. Discounted at 5%, buying here has a net present value of $-181,984 ($569,562 in today’s dollars).
Within California, San Francisco is 2nd of the 12 California markets covered here, between San Jose at the top and Bakersfield at the bottom of a 3.96x spread. A state-level median hides most of that.
San Francisco carries a premium over the rest of California: a median home here runs $1,452,250, about 85% above the state median of $785,000. The deposit moves with it, so the same 20% down is $290,450 rather than $157,000.
The price-to-rent ratio here is 26.1 ($1,452,250 to buy, $4,640 a month to rent), which is high. Renting and investing the deposit is a genuine alternative in San Francisco, not a fallback position.
Monthly cost in San Francisco vs comparable rent
Owning is stacked by component; renting is the local median asking rent.
The monthly breakdown
| Median home price | $1,452,250 |
|---|---|
| Down payment (10%) | $145,225 |
| Loan amount | $1,307,025 |
| Principal & interest | $8,477/mo |
| Property tax (0.71%) | $859/mo |
| Homeowners insurance | $133/mo |
| PMI while above 80% LTV | $599/mo |
| Total monthly payment | $10,069/mo |
| Comparable rent | $4,640/mo |
What a rate move does to the San Francisco payment
| Rate | Principal & interest |
|---|---|
| 5.5% | $7,421/mo |
| 6% | $7,836/mo |
| 6.5% | $8,261/mo |
| 7% | $8,696/mo |
| 7.5% | $9,139/mo |
| 8% | $9,590/mo |
Rent or buy in San Francisco?
Against $4,640 a month in rent, over 7 years renting leaves you about $383,787 better off — $322,866 once 2.5% inflation is stripped out. See the California rent-vs-buy page.
Where these numbers come from
California medians come from editorial and are refreshed weekly. The San Francisco figures index those state medians to the local market, so they track the same feed rather than going stale. Insurance and the state income tax rate are editorial. Treat everything here as a planning estimate, not a quote.