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State: California

California Home Affordability Calculator 2026

How much house can you afford in California? With a 0.71% effective property tax (median home: $$5,574/yr), see max home prices using the 28% PITI rule and a 6.99% 30-year mortgage.

Max Home Price ($100K Income)

$368,884

20% down · 6.99% rate · 28% DTI

Monthly PITI

$2333

Prop Tax/mo

$218

Median Home

$785,000

Annual Tax

$5,574

Effective Rate

0.71%

Monthly Tax

$465/mo

California Max Home Price by Income (28% DTI Rule)

Income	Max Home Price	Monthly PITI	Down (20%)	Monthly PI	Prop Tax/mo
$60,000	$221,331	$1400	$44,266	$1177	$131
$80,000	$295,107	$1867	$59,021	$1569	$175
$100,000	$368,884	$2333	$73,777	$1961	$218
$120,000	$442,661	$2800	$88,532	$2354	$262
$150,000	$553,326	$3500	$110,665	$2942	$327
$200,000	$737,768	$4667	$147,554	$3923	$437

Assumes 20% down payment, 6.99% 30-year fixed mortgage rate, 0.5% homeowners insurance, 0.71% California property tax.

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Frequently Asked Questions — California

What is the property tax rate in California?: California has an effective property tax rate of 0.71%. On the median home value of $785,000, that works out to approximately $5,574 per year ($465/month) in property taxes.
How much house can I afford on $100K in California?: On a $100,000 annual income in California, the 28% front-end DTI rule allows a maximum monthly PITI of approximately $2333. With a 20% down payment, a 6.99% 30-year mortgage, and California's 0.71% property tax, you can afford approximately $368,884 — with monthly principal & interest of $1961 plus $218/month in property taxes.
How does California's property tax affect home affordability?: California's 0.71% effective property tax rate is near the national average. Property taxes add $7 per month per $100,000 of home value, which is factored into your total PITI payment when determining how much house you can afford.
What's included in a mortgage PITI payment?: PITI stands for Principal, Interest, Taxes, and Insurance. Principal and interest are your mortgage payments that pay down the loan. Taxes refers to annual property taxes (divided into monthly escrow). Insurance includes homeowners insurance (typically 0.5% of home value/year) and any required mortgage insurance (PMI) if your down payment is less than 20%. Lenders generally want PITI to be no more than 28% of your gross monthly income.

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California Home Affordability Calculator 2026

How much house can you afford in California? With a 0.71% effective property tax (median home: $$5,574/yr), see max home prices using the 28% PITI rule and a 6.99% 30-year mortgage.

Max Home Price ($100K Income)

$368,884

20% down · 6.99% rate · 28% DTI

Monthly PITI

$2333

Prop Tax/mo

$218

Median Home

$785,000

Annual Tax

$5,574

Effective Rate

0.71%

Monthly Tax

$465/mo

California Max Home Price by Income (28% DTI Rule)

Income	Max Home Price	Monthly PITI	Down (20%)	Monthly PI	Prop Tax/mo
$60,000	$221,331	$1400	$44,266	$1177	$131
$80,000	$295,107	$1867	$59,021	$1569	$175
$100,000	$368,884	$2333	$73,777	$1961	$218
$120,000	$442,661	$2800	$88,532	$2354	$262
$150,000	$553,326	$3500	$110,665	$2942	$327
$200,000	$737,768	$4667	$147,554	$3923	$437

Assumes 20% down payment, 6.99% 30-year fixed mortgage rate, 0.5% homeowners insurance, 0.71% California property tax.

Frequently Asked Questions — California

What is the property tax rate in California?

California has an effective property tax rate of 0.71%. On the median home value of $785,000, that works out to approximately $5,574 per year ($465/month) in property taxes.

How much house can I afford on $100K in California?

On a $100,000 annual income in California, the 28% front-end DTI rule allows a maximum monthly PITI of approximately $2333. With a 20% down payment, a 6.99% 30-year mortgage, and California's 0.71% property tax, you can afford approximately $368,884 — with monthly principal & interest of $1961 plus $218/month in property taxes.

How does California's property tax affect home affordability?

California's 0.71% effective property tax rate is near the national average. Property taxes add $7 per month per $100,000 of home value, which is factored into your total PITI payment when determining how much house you can afford.

What's included in a mortgage PITI payment?

PITI stands for Principal, Interest, Taxes, and Insurance. Principal and interest are your mortgage payments that pay down the loan. Taxes refers to annual property taxes (divided into monthly escrow). Insurance includes homeowners insurance (typically 0.5% of home value/year) and any required mortgage insurance (PMI) if your down payment is less than 20%. Lenders generally want PITI to be no more than 28% of your gross monthly income.