Home Affordability Calculator for San Diego and Riverside
Tell it what you can pay each month and it works backwards to a price range, including property tax, insurance, HOA dues and Mello-Roos — not just principal and interest.
Example
An $850,000 home with 20% down is a $680,000 loan. At 6.95% over 30 years that is about $4,501 a month in principal and interest, before tax, insurance and any HOA.
An estimate, not an appraisal.
What monthly payment are you comfortable with?
Questions people ask
- Why is the number lower than other calculators?
- Most show principal and interest only. San Diego property tax runs about 1.15% of price a year, and newer areas add Mello-Roos on top, so the real monthly cost is higher.
- What is Mello-Roos?
- An extra tax in some newer developments that funds local infrastructure. It can add roughly 0.5% of the price a year. Toggle it on if you're shopping in those areas.
- Can a rebate make a home more affordable?
- It can lower your rate rather than your price. Using the rebate for a buydown reduces the monthly payment in the early years.
Rate too high? Here's how to lower it.
When you buy a home, the seller usually pays your agent about 3%. On a $1M home that's about $30,000. We keep a flat $4,999 and give you the rest. Put it toward closing costs, your down payment, or a lower rate.
See what you'd get backBased on a $1M San Diego home where the seller offers 3% to the buyer's agent. Applied to closing costs first. How much can go to you beyond that depends on your loan. Estimate only, not a guarantee.