Estimate your California mortgage payment using the state's 0.71% average effective property tax rate, $1,500/yr average home insurance, and California's $786,000 median home price (Zillow ZHVI), with current 30-year fixed rates from Freddie Mac plus PMI and HOA. Proposition 13 caps property tax increases at 2% per year on existing owners. Compare scenarios, view a full amortization schedule, and analyze whether it's better to rent or buy.
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