TrueAffordHome Affordability by State
What can you afford in California?
A baseline estimate for a household earning $90,000 a year gross, with typical debts and expenses, a $30,000 down payment, and a 740-759 credit score — using California's own property tax and insurance data rather than a national average. Every assumption is editable in the full calculator below.
California's effective property tax rate is around 0.70% of home value per year — the 20th lowest in the country. Average homeowner's insurance runs near $2,040/year on a $300,000 home — the 24th lowest and a state where premiums have been rising quickly due to weather- and insurer-availability pressure.
Comfortable
$256,926
Stretch
$320,111
Risky ceiling
$359,236
A lender would likely approve up to $359,236 on this baseline in California — but this household's own budget, once real expenses are counted, can only sustain $320,111. That $39,125 gap is exactly the kind of overreach this calculator exists to flag before it becomes a monthly deficit.
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