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San Diego County FHA Loan Calculator

Adjust the sliders to model your loan in real time. We have prefilled this page with local benchmark averages for San Diego County, California based on real HMDA transaction records.

Loan Details

San Diego County, CA Benchmarks

FHA averages
Typical Property Value$771,999
Average Down Payment11.4%
Average Interest Rate6.027%
Effective Tax Rate0.67%
Median Tax Paid$5,774/yr
Tax Growth (Historical)+1.1%
Based on 3,427 regional loans totaling $2,268,825,000 (HMDA database).
$
%

$88,008 down · $683,991 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$431 / month

$

Annual premium

$

Per month

%

$290 / month

Estimated Monthly Payment

$5,057/mo

  • Principal & Interest$4,186
  • Property Tax$431
  • Home Insurance$150
  • FHA MIP$290
Amortization · Remaining Balance

Financed Loan Amount

$695,961

Total Interest

$811,024

Total of Payments

$1,506,985

*Includes financed FHA Upfront MIP of $11,970

Local Market Insights

San Diego County FHA Mortgage Overview

San Diego County’s FHA market shows an 11.41% down payment, which is lower than the typical 20% conventional requirement, making homeownership more accessible. However, with an 88.59% loan-to-value ratio, the mandatory Mortgage Insurance Premium (MIP) applies for the life of the loan, a key factor for buyers with sub-620 credit scores. The 0.67% effective property tax rate, adjusted upward by 1.1% for inflation, adds roughly $430 monthly to a $771,999 property, increasing true affordability costs. This data, reflecting 100% owner-occupied purchases, underscores that San Diego County FHA loan limits and tax considerations are critical for budgeting, especially given the 6.027% interest rate.

Disclaimer: This calculator provides estimates for educational purposes only and does not constitute a loan offer or financial advice. Actual rates, taxes, insurance, and fees will vary.