San Francisco 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 Francisco County, California based on real HMDA transaction records.

Loan Details

US County (Smart Autofill)

Loan Type

San Francisco County, CA Benchmarks

FHA averages

Typical Property Value$1,035,133

Average Down Payment14.9%

Average Interest Rate6.139%

Effective Tax Rate0.72%

Median Tax Paid$9,862/yr

Tax Growth (Historical)+1.6%

Based on 76 regional loans totaling $59,080,000 (HMDA database).

Home Price

Down Payment

$154,235 down · $880,898 financed

Interest Rate

Loan Term

yrs

Extra Monthly Principal

Paid directly to principal

Mortgage Start Date

Payoff estimated June 2056

Local & Recurring Costs

Property Tax Rate

$621 / month

Home Insurance

Annual premium

HOA Dues

Per month

PMI Rate

$373 / month

Estimated Monthly Payment

$6,599/mo

Principal & Interest$5,455
Property Tax$621
Home Insurance$150
FHA MIP$373

Amortization · Remaining Balance

Financed Loan Amount

$896,314

Total Interest

$1,067,412

Total of Payments

$1,963,726

*Includes financed FHA Upfront MIP of $15,416

Local Market Insights

San Francisco County FHA Mortgage Overview

For San Francisco County homebuyers exploring FHA financing, the 14.93% average down payment on a $1,035,133 property offers accessible entry but requires mandatory Mortgage Insurance Premiums (MIP) for the life of the loan, regardless of equity. The 85.07% LTV ratio confirms this, making FHA ideal for those with sub-620 credit scores. The 0.72% property tax rate, with a 1.6% inflation-adjusted increase, adds roughly $621 monthly to true affordability. When using an FHA loan down payment tool with PMI and taxes in San Francisco County, CA, or assessing San Francisco County FHA loan limits and tax analysis, remember MIP is permanent on this 100% owner-occupied data.

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.