California Home Affordability Calculator

Find out how much house you can afford in California (CA). California has an average effective property tax rate of 0.71%, which is factored into your affordability estimate.

Your Finances

Annual Household Income

Monthly Debt Payments

Car loans, student loans, credit cards, etc.

Down Payment Available

Expected Interest Rate (%)

State

Enter your income to see how much home you can afford

California Housing Market Overview

The average effective property tax rate in California is 0.71%. This is below the national average of about 1.1%, making California relatively affordable when it comes to property taxes.

When buying a home in California, factor in not just the mortgage payment but also property taxes, homeowners insurance, and any HOA fees. Using the 28/36 rule helps ensure you don't overextend your budget.

Home Affordability by ZIP Code in California

90001Los Angeles 94102San Francisco 92101San Diego 95101San Jose 95814Sacramento 92801Anaheim 93301Bakersfield 92501Riverside 90802Long Beach 94601Oakland 93401San Luis Obispo 92614Irvine 93101Santa Barbara 94501Alameda 90210Beverly Hills

Advertiser Disclosure: Some of the products featured on this page are from our partners who may compensate us. This may influence which products we write about and where they appear on the page. However, this does not influence our evaluations. Our opinions are our own.

Mortgage Tools

Compare Mortgage Rates

Rates from 6.25% APR

Compare rates from multiple lenders in minutes. See today's best rates.

Compare Rates

First-Time Buyer Loans

As low as 3% down

Down payments as low as 3%. Free pre-approval in minutes.

Get Pre-Approved

Compare Auto Insurance

Save avg. $600/yr

Compare rates from 50+ carriers. Average savings of $600/year.

Get Quotes