🏦 Mortgage Calculators California

How Much House Can I Afford in California?

Find out how much house you can afford in California with 0.76% property tax. Uses 28/36 rule with California-specific data.

Free — No Sign-up Verified Data Editorially Reviewed Updated Feb 2026

California Quick Facts

13.3% Income Tax Rate

0.76% Property Tax Rate

$91,905 Median Income

142.2 Cost of Living

How This Calculator Works

Calculation methodology and assumptions

Calculates home affordability in California using the 28/36 rule. Maximum 28% of gross monthly income for housing (PITI). Includes California's effective property tax rate of 0.76% and average home insurance of $1,950/year. Median home price in California: $785,000.

Key State Information

California housing market: Median home price $785,000 | Property tax rate 0.76% | Avg home insurance $1,950/yr | Median household income $91,905. Homes are expensive relative to income.

Standard financial formulas Pre-filled with real state data Estimates only — not financial advice

Data Source

Census Bureau, Zillow, Tax Foundation

View Original Source | Verified 2024-12-01 | Updated annually

Frequently Asked Questions

How much house can I afford on the median income in California?

With California's median household income of $91,905 and a 10% down payment, you can typically afford a home priced around $321,668-$413,573 depending on debts and interest rates. The median home in California costs $785,000.

What is the property tax rate in California?

California's effective property tax rate is 0.76%. On a $785,000 home, that's approximately $5,966/year or $497/month.