San Francisco Refinance Calculator

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

State

Sets the property-tax estimate for your state

Credit Range

Pricing varies by credit band. Verify with a lender.

Loan Purpose

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Funding fee exempt (service-connected disability, Purple Heart, or eligible surviving spouse)

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Home Price $1,400,000

Down Payment 20.0%

Interest Rate 6.50%

Illustrative — adjust to your quote

Did You Know?

Educational note — changes with your loan type

Estimated Monthly Payment

Principal & Interest$0

Mortgage Insurance$0

Property Tax (est.)$0

Home Insurance (est.)$0

Estimated Total$0

Loan Summary

Cash Out (added to loan)$0

VA Funding Fee (financed)$0

Loan Amount$0

Loan-to-Value (LTV)—

Total Interest$0

Total of Payments$0

Illustrative national averages (≈ early 2026) for education only — not an offer or quote. Verify current rates with sources like the Freddie Mac PMMS.

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MortEdu is an educational resource — not a lender, mortgage broker, or financial advisor. The breakdown is for learning only and is not an offer to lend or financial advice. Always consult a licensed professional before making a decision. We don't sell your information. See our Privacy Policy.

We are an educational company, not a lender. We do not make loans, underwrite loans, or provide financial advice. All loan terms, rates, and approvals are determined solely by a licensed lender of your choice. This service is not a loan application. These figures are estimates provided for educational purposes only and are not a loan offer, quote, rate lock, or commitment to lend. Your actual payment will differ. Property taxes and homeowners insurance shown here are estimates and may be understated or excluded, and other costs — such as mortgage insurance, HOA dues, flood insurance, and closing costs — may not be reflected. For a detailed, personalized quote, consult a licensed lender or loan officer.

Rates shown are illustrative approximations — not actual available rates. Adjust the rate selector to any figure you are considering. 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. For informational and educational purposes only.

30-Year Fixed Rate — Last 12 Months

Freddie Mac PMMS monthly average · as of July 2026

iMonthly averages of Freddie Mac's weekly Primary Mortgage Market Survey (PMMS) 30-year fixed rate. Historical national averages from https://www.freddiemac.com/pmms — not a live quote or an offer of credit; rates change daily and vary by lender, credit, and location.

This page runs the same calculator against San Francisco, California figures — San Francisco County’s effective property-tax rate and county insurance band — so the estimate reflects what this cost actually looks like here rather than a national average.

Read the full Refinance Calculator explainer for how the math works, what each input means, and the qualifying rules — or browse all San Francisco home-buying resources.

San Francisco Numbers

Built on San Francisco, California figures

A baseline for San Francisco: the local median of $1,400,000 with 20% down, including San Francisco County’s property tax at 1.18%. Typical California statewide homeowners insurance runs about $5,656 a year at this value.

Scenario	Cash down	Loan amount	Est. total/mo
20% down	$280,000	$1,120,000	$9,206

San Francisco is a compact, high-density City and County where a large share of the housing stock is condominiums, tenancies-in-common, and older Victorian and Edwardian homes rather than new construction. Prices sit among the highest in the nation - Zillow pegs the typical home value near $1.4 million, while Redfin has reported recent median sale prices around $1.7 million - which means most buyers face jumbo-loan territory above the county's high-cost conforming limit. Beyond price, buyers weigh seismic considerations tied to the region's active faults and liquefaction zones, condo/HOA and TIC financing nuances, and an effective property-tax rate of roughly 1.18% under California's Proposition 13 framework. This page is educational only and is not a substitute for advice from a licensed lender, real-estate professional, or attorney.

Why insurance moves the number here: Earthquake is San Francisco's dominant natural hazard: the San Andreas and Hayward faults drive strong ground-shaking risk, and roughly a quarter of the nine-county Bay region sits in mapped liquefaction zones, including bayfront and former-landfill areas such as the Marina, SoMa, and Mission Bay; the city enforces seismic requirements including its soft-story retrofit program. Wildfire risk inside the dense city limits is comparatively low - most of San Francisco is a Local Responsibility Area with limited Very High Fire Hazard Severity Zone acreage under CAL FIRE mapping - but statewide insurer pullback has pushed many Californians toward the CA FAIR Plan, the state's insurer of last resort (roughly 684,000 policies in force as of March 2026), which can affect availability and cost of coverage. Flood exposure is concentrated along the bay shoreline and low-lying reclaimed land, with FEMA flood zones, sea-level-rise projections, and coastal tsunami evacuation zones relevant to waterfront properties. Buyers should confirm current hazard-zone status and insurance availability for any specific address. Wind exposure is a large part of why a San Francisco payment can differ from the same price elsewhere, so the insurance figure above is doing real work in the total.

Median value plus the county property-tax rate and statewide insurance figure come from public data held in this site’s own dataset. Payments use an illustrative 6.875% 30-year rate and are estimates for education only — never a quote, offer, or approval. Change any input in the calculator above to model your own scenario.

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.