Mortgage payment calculator

What a Peninsula home actually costs per month — principal, interest, property tax, insurance, HOA and mortgage insurance, all in one number. The defaults below are set for this market, not a national average.

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Use the rate you have actually been quoted.
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San Mateo County runs roughly 1.1–1.3% of assessed value.
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Per year.
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Per month. Common on condos, rare on single-family.
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Only applied when the down payment is under 20%.

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Estimated total monthly payment

Principal & interest—
Property tax—
Home insurance—
HOA dues—
Mortgage insurance—
Total per month—

Loan amount — · total interest over the full term — · total of all payments —

What this does and doesn't include

It includes the five things that actually hit your account every month: principal, interest, property tax, insurance, and HOA, plus mortgage insurance when your down payment is under 20%.

It does not include Mello-Roos or special assessments (uncommon in the older Peninsula cities but worth checking), and it does not model any tax deduction. It also assumes a fixed rate for the whole term. If you're looking at an adjustable-rate loan, treat this as the starting payment only.

One Peninsula-specific note on property tax: California reassesses at your purchase price, so your tax bill is based on what you pay, not what the seller was paying. A long-time owner's low tax bill does not transfer to you.

Want the number for a specific house?

Send me the address and I'll run the real figures — actual tax rate, actual HOA, actual insurance quote range for that street.

Ask about a specific home Browse the city guides

This calculator is an educational estimate, not a loan offer, a pre-approval, or financial advice. I am a licensed REALTOR®, not a lender or a tax advisor. Actual payments depend on your credit, the lender's terms, the final assessed value, and your insurance quote. Confirm all figures with a lender and a tax professional before relying on them. Austin Schumacher, MBA | REALTOR® · CA DRE# 02229792.