Home Cost Calculator

Projected at the legal maximum

Bars show the increase over year 1, not the whole payment — the rise is about 1% of a payment this size, so a full-height bar chart would show a flat line. The figure under each bar is the full monthly payment.

Proposition 13 caps the annual rise in a home's assessed value at 2% (Cal. Const. art. XIII A, § 2(b)). This projects that ceiling forward from the purchase price, so it is the most your property tax can grow — not a forecast.

Nothing else is grown. Principal & interest does not change on a fixed-rate loan. HOA dues and insurance will drift but are not projected, so the totals are a floor rather than a full estimate.