San Jose, California Mortgage Calculator

See your true monthly PITI payment for a San Jose, California home — including taxes, insurance and PMI.

Cities in California

Fresno — $370,000, 0.78% tax
Irvine — $1,250,000, 0.69% tax
Los Angeles — $920,000, 0.72% tax
Sacramento — $490,000, 0.75% tax
San Diego — $850,000, 0.73% tax
San Francisco — $1,350,000, 0.65% tax
San Jose · you are here — $1,380,000, 0.67% tax

Estimated Monthly Payment (PITI)

$0/mo

Needs $0/year income (28% rule)

Loan Details

Home Price

Down Payment

Interest Rate (% APR)

Loan Term (years)

Taxes, Insurance, PMI & Extra Payments

Taxes & Insurance

Property Tax (per year)

Home Insurance (per year)

Annual PMI (if down payment < 20%)

Payment Schedule

Extra Payment (optional)

Extra Monthly Payment

San Jose, California Mortgage at a Glance

Average home price	$1,380,000
Property tax rate	0.67% ($9,246/year)
Average insurance	$2,600/year
Est. monthly PITI	$7,965 (20% down, 6.5%)
Total interest (30yr)	$1,408,091
Income needed (28% rule)	$341,366/year

Loan Balance Over Time

Balance Principal paid

Payment Breakdown

Component	Amount
Principal & Interest	$0
Property Tax	$0
Home Insurance	$0
PMI	$0

Loan Summary

Loan Amount	$0
Total Interest Paid	$0
Interest Saved	$0
Payoff Time	—

Monthly vs Bi-weekly

	Monthly	Bi-weekly
Payment	$0	$0
Total Interest	$0	$0
Payoff	—	—

All States

San Jose, California Mortgage Costs

The average home in San Jose costs $1,380,000, with a 0.67% property tax rate and typical insurance of $2,600/year. Use the calculator above to estimate your monthly PITI payment for a San Jose home.

What is PITI?

PITI stands for Principal, Interest, Taxes and Insurance — the four parts of a full monthly mortgage payment. Lenders calculate PITI to determine how much home you can afford, because housing costs more than the loan itself.

The 28% rule

Your housing payment should stay under 28% of your gross income. Divide your monthly PITI by 0.28 to see the income you need.

Bi-weekly vs monthly

Paying bi-weekly means 26 half-payments a year — equal to 13 full monthly payments instead of 12. That one extra payment each year can shave years off a 30-year mortgage.