Numbers built for here
Five calculators for San Diego County specifically. All of them run in your browser — nothing you type is transmitted, stored or seen by me.
National mortgage calculators assume a property tax rate of about 1.1% and nothing else. In the northern I-15 corridor that's wrong by thousands of dollars a year, because Mello-Roos is a fixed annual charge that no percentage-based tool will ever surface.
These have it built in. They also show their assumptions on screen and link to the records that can check them, because a calculator that understates a Mello-Roos assessment creates exactly the problem it was built to solve.
What your home is worth
No instant number, because an instant number would be invented. The sales comparison method an appraiser uses, run on sold comparables you look up yourself — and where to find them in San Diego County.
Open →What a house really costs per month
Principal and interest, base property tax, Mello-Roos, insurance and HOA in a single figure — and a direct comparison against what a national calculator would have told you.
Open →What you'd walk away with
Sale price minus payoff, commissions, San Diego County's transfer tax at $1.10 per $1,000, escrow and preparation. The seller's actual question.
Open →What you can realistically offer
A price band from comfortable to stretched, with local carrying costs built in. Shows you exactly how much purchasing power a Mello-Roos assessment costs.
Open →Rent or buy, at today's rates
Year-by-year, with the Proposition 13 assessment cap modelled properly. Willing to conclude that you should keep renting.
Open →They're for planning and comparison, not for closing. Real figures depend on your lender, your parcel, your insurer and your escrow. Verify against your actual tax bill, your lender's Loan Estimate and your escrow's settlement statement. Nothing here is tax or legal advice.
Want me to run your actual numbers?
I'll pull the real tax bill on any address you're serious about, including the Mello-Roos, and tell you what I think. No obligation and no follow-up campaign.