Enter the address or state you're shopping in. We'll auto-load PRMG's property tax rate for that state, layer estimated homeowners insurance, and calculate a realistic buying range based on your income, debts, and credit profile. No more national-average calculators that miss the mark by tens of thousands.
Insurance disclosure: Homeowners insurance is an estimate (~0.35% of home value annually) for affordability planning only. Actual premiums vary widely by location, age and condition of the home, deductible, coverage limits, claims history, and special risks (wildfire, flood, hurricane). You will receive an actual quote from a licensed insurance carrier before closing.
Calculator disclosure: Property tax rate is sourced from the PRMG Property Tax Rate Table for prequalification. County and city rates may differ. Mello-Roos, special assessments, HOA dues, and condo premiums are not included. Estimates only. Actual qualification depends on full underwriting review, credit pull, income documentation, and program-specific overlays. Not a commitment to lend.
We'll send your custom buying plan based on your exact credit, income, goals, and the loan programs you may qualify for in Sacramento or your area.
Generic national calculators usually assume a 1.25-1.5% property tax rate and a flat insurance number. Sacramento County effective property tax is closer to 1.10%, and homeowners insurance varies widely depending on the specific area, age of the home, and whether wildfire risk impacts the policy.
For accuracy, this tool defaults to local Sacramento assumptions. If you're buying in El Dorado, Placer, or Yolo, the math is similar, but property tax can vary a few tenths of a percent, and Mello-Roos in newer subdivisions (Folsom Ranch, Roseville master plans) can add meaningfully to the total payment.
Not included: HOA dues, Mello-Roos special assessments, flood insurance (if applicable), or condo-specific premiums. Run a personalized scenario for an accurate full payment.