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Home / San Francisco / Calculators / Blended Rate Calculator

San Francisco Blended Rate Calculator

Blended Rate Calculator San Francisco mortgage estimates pre-filled with San Francisco County, California property-tax and insurance figures. Educational only.

Illustrative rate used: 6.875% (a conservative national average, not a quote). Estimates only, using an illustrative interest rate and tax and insurance data for your selected state (county-level where county data is available). Not a quote, offer, or commitment to lend. Verify every figure with a licensed lender in your state before relying on it.

Published national-average rates are shown for educational comparison only, as of the date indicated, sourced from Mortgage News Daily / Freddie Mac PMMS. They are general averages — not a rate quote, offer, pre-qualification, rate lock, or commitment to lend. Your actual rate depends on your lender, credit profile, loan details, and market conditions.

Blended rates & keeping your low first rate

A blended rate is the weighted-average interest rate across two loans — common when you keep a low first mortgage and add a HELOC or second lien instead of refinancing the whole balance at today's higher rate. This tool weights each loan by its balance to show the effective rate and combined payment, so you can compare it to today's published average before deciding.

Frequently asked questions

What is a blended rate?

A blended rate is the weighted-average interest rate across two loans — for example, keeping a low first mortgage and adding a HELOC or second lien instead of refinancing the whole balance at today's higher rate. It is weighted by each loan's balance.

Why compare it to a published average?

Seeing your blended rate next to today's published national average helps you judge whether keeping the low first loan plus a second is cheaper than refinancing everything. The published average is shown for educational comparison only — not a rate quote.

Is the result a quote?

No. It is an educational estimate. Your actual rates depend on your lender, credit profile, loan details, and market conditions.

Local Insight

Understanding the San Francisco Market

San Francisco sits in San Francisco County, California. Neighborhoods such as Pacific Heights, Mission District, Noe Valley, Sunset District, and Bernal Heights each carry their own mix of home ages, price tiers, and insurance considerations that are worth understanding before you set a budget in San Francisco.

A buyer planning a budget in San Francisco usually starts from the area's approximate median home value of about $1,400,000 (a rough market benchmark, not a quote).

Taken together, the median price, San Francisco County tax rate, and insurance outlook are what shape a realistic monthly payment in San Francisco — which is why the calculator above is pre-set with this county's numbers. Adjust the inputs to match your own situation, and confirm current figures with a licensed California lender of your choice before making any decisions.